Summer 2027 Intern: Hospitality Lending Analyst
About The Position
Live Oak Bank is a digital bank serving small business owners nationwide, focused on helping customers buy, build, and expand their businesses. The bank also offers high-yield savings and CD products. Live Oak emphasizes employee well-being and seeks individuals who are passionate about empowering the American dream. This 10-week Summer Internship program (May 17 - July 23, 2027) is an onsite opportunity at the Wilmington, NC headquarters. The Hospitality Lending team finances hotels across the country for various purposes including acquisitions, refinancing, construction, and repositioning. As an intern, you will gain exposure to underwriting complex credit decisions for hotel owners and operators, supporting analysts, closers, and relationship managers throughout the deal lifecycle. This role offers a comprehensive understanding of commercial real estate lending from start to finish within a relationship-driven, scalable national lending platform.
Requirements
- 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.
Nice To Haves
- 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.
Responsibilities
- 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.
- 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.
- Shadow calls and meetings with hotel sponsors, brokers, and internal stakeholders.
- Take on a capstone project or analysis over the course of the internship, with the opportunity to present findings to the team.
- Participate in team outings, site visits, and community-building activities.
Benefits
- Paid sick leave (in states that require it).
- Team outings.
- Site visits.
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What This Job Offers
Career Level
Intern
