Associate Portfolio Analyst, Live Oak Express

Live Oak Bank•Wilmington, NC

15d

About The Position

The Associate Portfolio Analyst, Live Oak Express plays a key role in supporting the servicing, credit monitoring, and management of the Live Oak Express (LOE) loan portfolio. You’ll assist in day-to-day servicing functions, proactively monitor credit risk, and help ensure the loan portfolio is in compliance with internal policies and procedures. Working closely with your team and under the guidance of the Senior Portfolio Manager, you’ll contribute to the long-term financial health of Live Oak Bank by helping identify emerging risks, supporting collection efforts, and enhancing the borrower experience through timely servicing actions.

Requirements

Bachelor's Degree or equivalent experience
Excellent computer skills
Strong customer service and interpersonal skills

Nice To Haves

Effective verbal and written communication skills
Intellectually curious
Strong work ethic, self-motivated, get it done attitude

Responsibilities

Assist in the day-to-day servicing of the LOE portfolio of loans, including monitoring payments, financial performance, and compliance
Complete annual reviews, risk ratings, and loan-level credit assessments
Draft and issue borrower communications such as Right to Cure letters under the guidance of senior team members
Assist with identifying and escalating loans that may require loss mitigation, collections, or special asset involvement
Contribute to quarterly portfolio reporting and annual watchlist preparation
Support the team in maintaining accurate and up-to-date records, servicing notes, and collection logs
Help track borrower outreach and repayment efforts using internal tools and checklists
Communicate with borrowers regarding loan servicing issues, repayment plans, or account status, with support from the Senior Portfolio Manager
Ensure servicing actions are performed in accordance with bank policies, procedures, and SBA guidelines
Participate in ongoing training and development opportunities in loan servicing, credit risk, and SBA regulations
Collaborate closely with Senior Portfolio Manager and Live Oak Express team to maintain the highest standards of loan servicing
Use internal systems to track portfolio performance and borrower compliance
Exhibit strong attention to detail and accuracy when preparing reports or documenting servicing actions
Work cross-functionally with the Credit and Special Assets teams to support risk management and recovery strategies
Bring a proactive and solutions-oriented approach to servicing challenges
Demonstrate professionalism and empathy in borrower communications, especially during collections or escalated servicing situations
Maintain a high standard of regulatory awareness including BSA, AML, CIP, and OFAC