Senior Portfolio Analyst: Credit Risk & Portfolio

Live Oak Bank; Wilmington (NC); On-site; USD 82,000 - 134,000; Full time

Job summary

Live Oak Bank is seeking a Senior Portfolio Analyst to join our Sponsor Finance team. The role focuses on collecting and analyzing financial data, performing spread analyses, and monitoring covenant compliance throughout the loan life cycle.

The SPA will interface with deal and credit teams, manage borrower relationships, and underwrite loan modifications and amendments while maintaining regulatory awareness and risk controls.

Qualifications

• Bachelor’s degree in Finance, Business Administration, Accounting, Economics or equivalent.
• 4+ years of banking, commercial lending, portfolio management, credit analysis or underwriting experience.
• Ability to interpret financial statements and assess company health.
• Highly organized with strong attention to detail.
• Experience preparing credit submissions and financial statement analysis.
• Strong credit and risk assessment skills and knowledge of lending policies.
• Excellent verbal and written communication and customer service.

Responsibilities

• Collect and analyze financial data to prepare spreads and ensure accuracy of statements.
• Monitor liquidity, earnings trends, and credit metrics; track covenant compliance.
• Assess borrower risk using qualitative factors and performance trends.
• Establish direct client relationships through meetings and site visits.
• Identify underperformance and assess default risk.
• Coordinate with deal, credit, legal, and operations teams to handle modifications.
• Underwrite and manage loan amendments, waivers, renewals, and advances.
• Assist with legal documentation reviews and negotiations.
• Collaborate on underwriting complex modifications or facility increases.
• Process multi-advance requests and revolving facilities.
• Prepare diligence and presentation materials for loan reviews.
• Maintain client files, reporting dashboards, and covenant tracking.
• Support regulatory compliance including BSA, AML, CIP, OFAC.

Skills

Financial analysis

Credit risk

Portfolio management

Financial modeling

Client relations

Education

Bachelor’s degree in Finance

Tools

MS Office

Job description

Live Oak Bank is seeking a Senior Portfolio Analyst to join our Sponsor Finance team. The role focuses on collecting and analyzing financial data, performing spread analyses, and monitoring covenant compliance throughout the loan life cycle.

The SPA will interface with deal and credit teams, manage borrower relationships, and underwrite loan modifications and amendments while maintaining regulatory awareness and risk controls.