Express Lending Officer - SMB Growth & Risk

Live Oak Bank; Wilmington (NC); Sur place; USD 57 000 - 93 000; Plein temps

Résumé du poste

Live Oak Bank is seeking an Associate Live Oak Express Lending Officer to support end-to-end lending activities, portfolio management, and risk governance across SBA and conventional products. This role focuses on growth, client relationships, and platform development within a fast-paced, data-driven environment.

The position requires a bachelor’s degree and 1–3 years in banking, with strong communication, analytical, and problem-solving skills, aligned to Live Oak’s values and strategic goals.

Qualifications

• Bachelor’s degree in business, economics, computer science, or mathematics, or equivalent experience.
• 1-3 years of proven banking experience across multiple financial services functions including lending, underwriting, credit, servicing, strategy and/or product covering both SBA and conventional loans, lines of credit, cards, and/or payments for business and/or consumer lending businesses.
• Knowledge of SMB market drivers, competitors, and products.
• Understanding of Live Oak Bank organizational vision, strategy, operations, and culture.
• Effective verbal and written communication skills; ability to tailor communications to a broad spectrum of audiences and cross-functional teams.
• Strong conceptual ability: able to solve complex problems with simple, easy to explain solutions.
• Time spent in a fast paced, technology driven, result oriented, often ambiguously defined arena, with shifting priorities and timelines.
• Preferred: proficiency in data analysis, forecasting, and budgeting.

Responsabilités

• Support the Director, Live Oak Express in the development and execution of tactical initiatives that drive the intermediate and longer-term strategic objectives of the business.
• Assist in the development and execution of sales and growth projects and strategies related to business development, production pipeline management, verticalization and cross-sell, and client relationship deepening efforts.
• Assess loan applications for completeness; decisions loan applications in a timely manner within delegated lending authority while adhering to bank policy, risk appetite, and regulatory guidelines.
• Supports all "voice of the client" activities; surface and summarize key client feedback themes; works with team to develop action plans to address opportunities and/or mitigate risks with consensus from stakeholders; helps in the execution of action plans to meet desired outcomes.
• Serves as a valued teammate related to the buildout and ongoing management of a cloud native, API enabled, digital end-to-end lending platform with a best-in-class risk framework that will underpin Live Oak Express, as well as the future state of credit decisioning for the entire bank (e.g., digital application and loan documents, underwriting workflows, credit decision engine & automation, product expansion, risk-based pricing)
• Participate and contribute to the ongoing credit portfolio management, credit policy, and financial performance activities that influence risk management, policy, and profitability
• Assist in developing and ongoing management of acquisition and client deepening campaigns across new /existing Live Oak Express businesses, verticals, products, and features
• Assess and decision high quality loans meeting bank policy in a high volume, data-driven lending business
• Service new and existing clients related to loan applications, onboarding, and issue resolution
• Support risk governance activities of the business (e.g., steerco, risk committee, portfolio management)
• Provide support to other teams to include credit administration, risk management, embedded banking, marketing, BAG, product, technology, PMO, compliance, legal, and other cross-functional teams
• Meets regularly with Live Oak Express Leadership to discuss business performance, industry trends, emerging risks, and opportunities
• Maintain a high standard of regulatory awareness including BSA, AML, CIP, and OFAC
• Other duties as assigned

Connaissances

Verbal communication

Written communication

Data analysis

Formation

Bachelor’s degree or equivalent experience

Description du poste

Live Oak Bank is seeking an Associate Live Oak Express Lending Officer to support end-to-end lending activities, portfolio management, and risk governance across SBA and conventional products. This role focuses on growth, client relationships, and platform development within a fast-paced, data-driven environment.

The position requires a bachelor’s degree and 1–3 years in banking, with strong communication, analytical, and problem-solving skills, aligned to Live Oak’s values and strategic goals.