Summer 2027 Intern: Hospitality Lending Analyst

Live Oak Bank; Wilmington (NC); On-site; USD 41,000 - 67,000; Full time

Benefits offered by this job

Paid sick leave

Bonus opportunities

Long-term incentives

Job summary

Live Oak Bank, a digital bank serving small business owners, invites you to join its Hospitality Lending internship program in Wilmington, NC. You’ll observe underwriting, credit memos, and market research while supporting analysts, closers, and relationship managers through the loan lifecycle.

This internship offers hands-on experience with financial analysis, data modeling, and deal execution, plus exposure to regulatory awareness and team collaboration.

Qualifications

• Currently pursuing a bachelor’s degree in Finance, Accounting, Real Estate, Economics, or related field.
• Strong analytical and quantitative skills with comfort in Excel.
• Clear written and verbal communication skills.
• High attention to detail and curiosity about lending decisions.

Responsibilities

• Support underwriting of hotel acquisition, refinance, and construction loans, including financial statement analysis and cash flow modeling.
• Prepare credit memos and deal packages for internal review committees.
• Assist with due diligence—reviewing franchise agreements, appraisals, feasibility studies, and borrower financials.
• Assist servicing team with collection and spreading of borrower financials.
• Help closers and servicing monitor post-closing exceptions and learn the funding process.

Skills

Analytical skills

Excel proficiency

Written and verbal communication

Attention to detail

Independent and team player

Education

Bachelor's degree in Finance/Accounting/Real Estate/Economics

Tools

Excel

PowerPoint

Job description

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.

How This Role Impacts Live Oak and Its People

Live Oak's Hospitality Lending team finances hotels across the country - from acquisitions and refinancing to ground-up construction and value-add repositioning. As an intern on this team, you’ll get a front-row seat to how a growth-oriented bank underwrites real, complex credit decisions for hotel owners and operators nationwide. Your work will directly support the analysts, closers, and relationship managers who move deals from first look all the way through closing and beyond, giving you exposure most interns never get: real transactions, real numbers, real stakes. You’ll leave with a genuine understanding of how commercial real estate lending works end-to-end, and how a relationship-driven culture can scale into a sophisticated, national lending platform.

What You’ll Do at Live Oak

• Support underwriting of hotel acquisition, refinance, and construction loans, including financial statement analysis, market and competitive set research, and cash flow modeling
• Help prepare credit memos and deal packages for internal review committees
• Assist with due diligence - reviewing franchise agreements, appraisals, feasibility studies, and borrower financials
• Assist the servicing team with collection and spreading of borrower financials
• Help closers and servicing monitor and clear post-closing exceptions, so you understand what happens after a deal funds, not just how it gets there
• Build and maintain data on sponsor relationships, deal pipeline, and portfolio performance
• Maintain a high standard of regulatory awareness including BSA, AML, CIP, and OFAC
• Work alongside the Managing Director on identifying and marketing to Tier 1 target clients
• Think innovatively about how we can improve team processes - fresh eyes are always welcome, and good ideas get heard here
• Shadow calls and meetings with hotel sponsors, brokers, and internal stakeholders to see how deals actually get done
• Take on a capstone project or analysis over the course of the internship, with the opportunity to present findings to the team
• Enjoy the fun stuff too - team outings, site visits, and getting to know the people who make this bank feel more like a community than a corporation

Required Experience

• Currently pursuing a bachelor's degree in Finance, Accounting, Real Estate, Economics, or a related field
• Strong analytical and quantitative skills, with comfort working in Excel
• Clear written and verbal communication skills
• High attention to detail and a genuine curiosity about how lending decisions get made
• Ability to work both independently and as part of a small, collaborative team

Preferred Experience

• Prior coursework or internship experience in commercial real estate, banking, or hospitality
• Familiarity with financial modeling or credit analysis concepts (DSCR, LTV, cap rates, NOI)
• Interest in the hospitality industry - hotel operations, brands, or franchise models
• Exposure to PowerPoint or data visualization tools for presenting analysis
• #LI-DNI

Values

• Dedication: Possess a deep commitment to Live Oak Bank's mission and core values, exemplified through a strong work ethic, adaptability and pride in your work.
• Ownership: Take initiative to deliver positive results by proactively and creatively solving problems, while maintaining a high degree of quality.
• Respect: Treat everyone with courtesy, politeness, and kindness.
• Innovation: Embrace fresh ideas and fearlessly contribute new solutions to emerging or existing problems.
• Teamwork: Foster collaboration, accountability, and trust with others and understand that together, we do more

Compensation and Benefits

The base pay range for this position is $19.77 - $32.12 per hour. Compensation may also include annual bonuses and long-term incentives, subject to various metrics and company policy. A candidate’s salary is determined by several factors including travel, relevant work experience or skills and expertise. Please note that we provide at least the minimum requirement of paid sick leave to our employees who reside in states that require employer-paid sick leave, including but not limited to Arizona, California, Colorado, District of Columbia, Maine, Maryland, Massachusetts, Michigan, Nevada, New Jersey, New Mexico, New York, Oregon, Rhode Island, Vermont, and Washington.

Equal Opportunity

Live Oak Bank is an Aff… Minorities/Women/Veterans/Disabled. We consider applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, veteran status or disability. Equal access to programs, service and employment is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify human resources at [e-mail]. EEO is the Law

Other Information

For a detailed overview of our employee benefits please visit: http://www.liveoakbank.com/careers/

Live Oak Bank would not be the top SBA 7(a) and USDA lender in the country without our people. We focus on hiring folks who are dedicated to living our values, every single day. Together, we’re on a mission to be America's small business bank. At Live Oak we never lose sight of focusing on the wellbeing of our folks. We believe our employees are the heart of our company and drive our commitment to our customers. As part of the Live Oak team, you’ll have the chance to shape the next chapter of banking while supporting the backbone of our nation - small businesses.