Associate Portfolio Analyst

5 days ago

Wilmington, North Carolina, United States Live Oak Bank Full time
About Live Oak Bank

Live Oak Bank is a leading digital bank that serves small business owners across the country. Our innovative approach to service and technology has fueled our mission to be America's Small Business Bank. Our products help customers buy, build, and expand their business, and our high-yield savings and CD products help them grow their hard-earned money.

Job Summary

The Associate Portfolio Analyst will nurture client and internal relationships while managing the credit risk and loan quality of assigned accounts. This role is an integral part of the bank's credit risk management and is responsible for collecting and analyzing financial data, completing financial spread analysis, testing financial covenants, and completing loan reviews, advances, renewals, modifications, and amendments.

Key Responsibilities
  • Client Relationship Management
    • Serve as a point of contact for a specified book of clients and as a liaison to internal teams such as loan officers, relationship managers, underwriting, credit, capital markets, closing, operations, and others.
    • Collect and analyze financial information from assigned accounts throughout the life of the relationship.
  • Financial Analysis
    • Responsible for reviewing and spreading financial statements.
    • Manage collateral monitoring including asset-based facilities with borrowing bases.
  • Credit Risk Management
    • Ensure clients remain compliant with all conditions set forth in the loan documentation.
    • Use financial models to develop a forward-looking credit risk assessment based on key value drivers and sensitized assumptions.
  • Portfolio Management
    • Assist with distilling portfolio insights into actionable underwriting guidance and assist with hoc analysis to assist with originations.
    • Individually or as part of the relationship management team, conduct on-boarding of new clients; may lead meetings and discussions with key stakeholders including client executives, equity sponsors, partner lending institutions, developers, and internal team members.
  • Operational Management
    • Manage operational complexity and inquiries from both external and internal stakeholders.
    • Identify and underwrite loan modifications/amendments/renewals accurately and timely in accordance with bank procedures and policy.
  • Collaboration and Communication
    • Engage Portfolio Manager, relationship managers, loan officers, and credit team to guide underperforming client accounts.
    • Identify underperformance and proactively identify root causes that may result in defaults under the loan documents.
    • Work with internal partners to determine and carry out the appropriate response to underperformance to protect the bank's interests.
  • Reporting and Compliance
    • Help prepare and participate in quarterly credit meetings.
    • Facilitate loan advance requests by working with the client as well as bank legal, credit, and operations departments.
Requirements
  • Education and Experience
    • A Bachelor's degree in a related field or equivalent work experience of three or more years in a bank commercial lending department is highly preferred.
  • Skills and Abilities
    • Excellent verbal, written, interpersonal, and negotiation skills.
    • Demonstrated experience in effectively writing/reviewing loan presentations that identify key risks and mitigants as well as conducting cash flow analysis and collateral evaluation.
    • Strong customer service orientation with attention to detail.
    • Strong credit and risk management skills with working knowledge of lending policies and procedures.
    • Working knowledge of loan agreements, loan structuring, and collateral procedures.
    • Ability to consistently make timely sound recommendations to management while ensuring bank policies and procedures are met.
    • Uphold core values and build team member and customer relationships.
    • Demonstrated experience utilizing credit software to capture credit applications; above-average PC skills including MS Office Applications (Word, Excel), and the ability to quickly learn new software/systems.
What We Offer
  • Compensation and Benefits
    • The base pay range for this position is $55,000.00 to $90,000.00 per year. Compensation may also include annual bonuses and long-term incentives, subject to various metrics and company policy.
  • Work Environment
    • Live Oak Bank is an Affirmative Action and Equal Opportunity Employer, Minorities/Women/Veterans/Disabled.

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