Senior Portfolio Analyst, Renewable Energy - Solar

About Us

Live Oak Bank is a digital bank that serves small business owners across the country. Our groundbreaking spin on 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. At Live Oak, we never lose sight of the well-being of our people.

We believe our employees are the heart of our company. Our commitment to our customers and culture is intertwined, and we seek those who embody and embrace what it takes to empower the American dream.

The Senior Portfolio Analyst
- Renewable Energy - Solar, nurtures client and internal relationships while managing the credit risk and loan quality of assigned accounts. A PA serves as 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. Additionally, a PA must anticipate customer needs, assess non-financial discrepancies, and facilitate appropriate regular interactions between executive management and asset managers of clients and the bank.

Finally, a PA is expected to gain a comprehensive understanding of their clients’ business to deliver meaningful feedback and effectuate new revenue opportunities within the portfolio.

• 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
• Responsible for reviewing and spreading financial statements
• Manage collateral monitoring including asset-based facilities with borrowing bases
• 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
• 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
• 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
• 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
• 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
• Underwrite and close advance requests under Delayed Draw Term Loan facilities
• Responsible for monitoring and processing Revolver advances in a timely manner and pursuant to loan documents
• Prepare and review annual loan reviews that align with bank and government‑guaranteed lending partners as required
• Identify and pursue expanded banking opportunities with clients such as gaining deposit shares or private wealth referrals
• As needed, underwrite new lending opportunities for existing clients
• Stays on top of trends impacting assigned industry verticals and participates in research projects as they arise
• Complete various projects as needed or as assigned by management
• Coach and mentor less experienced team members
• Build out processes and procedures and develop training materials as assigned
• Conduct…