[Remote] Senior Portfolio Analyst, Renewable Energy - Solar

Note: The job is a remote job and is open to candidates in USA. Live Oak Bank is a digital bank that serves small business owners across the country. The Senior Portfolio Analyst - Renewable Energy - Solar is responsible for managing credit risk and loan quality of assigned accounts, analyzing financial data, and facilitating interactions between clients and internal teams. Responsibilities • Serve as a point of contact for a specified book of clients and as a liaison to internal teams such as loan officers, relationship managers, underwriting, credit, capital markets, closing, operations, and others • Collect and analyze financial information from assigned accounts throughout the life of the relationship • Responsible for reviewing and spreading financial statements • Manage collateral monitoring including asset-based facilities with borrowing bases • Ensure clients remain compliant with all conditions set forth in the loan documentation • Use financial models to develop a forward-looking credit risk assessment based on key value drivers and sensitized assumptions • Assist with distilling portfolio insights into actionable underwriting guidance and assist with hoc analysis to assist with originations • Individually or as part of the relationship management team. conduct on-boarding of new clients; may lead meetings and discussions with key stakeholders including client executives, equity sponsors, partner lending institutions, developers, and internal team members • Manage operational complexity and inquiries from both external and internal stakeholders • Identify and underwrite loan modifications/amendments/renewals accurately and timely in accordance with bank procedures and policy • Engage Portfolio Manager, relationship managers, loan officers, and credit team to guide underperforming client accounts • Identify underperformance and proactively identify root causes that may result in defaults under the loan documents • Work with internal partners to determine and carry out the appropriate response to underperformance to protect the bank’s interests • Help prepare and participate in quarterly credit meetings • Facilitate loan advance requests by working with the client as well as bank legal, credit, and operations departments • Underwrite and close advance requests under Delayed Draw Term Loan facilities • Responsible for monitoring and processing Revolver advances in a timely manner and pursuant to loan documents • Prepare and review annual loan reviews that align with bank and government-guaranteed lending partners as required • Identify and pursue expanded banking opportunities with clients such as gaining deposit shares or private wealth referrals • As needed, underwrite new lending opportunities for existing clients • Stays on top of trends impacting assigned industry verticals and participates in research projects as they arise • Complete various projects as needed or as assigned by management • Coach and mentor less experienced team members • Build out processes and procedures and develop training materials as assigned • Conduct periodic client visits to obtain enhanced knowledge of clients • Monitor and ensure that client credit files remain up to date; this will include creating client credit files, setting up reporting and covenant dashboards, and assisting with various reporting requirements • Prepare and deliver presentations in various department meetings on specific loans recommending appropriate action or structure of credits • Facilitate third-party engagements including valuations, appraisals, and field exams • Exhibit a sense of pride in helping clients and teammates achieve their respective goals • Exercise sound judgment; When needed, ask for help or guidance • Communicate effectively to set and meet realistic expectations • Complete additional tasks as needed by the specific lending team the PA supports • Maintain a high standard of regulatory awareness including BSA, AML, CIP, and OFAC Skills • Bachelor's degree in a related field or equivalent work experience of 10 or more years in a bank • Demonstrated experience in effectively writing/reviewing loan presentations that identify key risks and mitigants as well as conducting cash flow analysis and collateral evaluation • Strong customer service orientation with attention to detail • Strong credit and risk management skills with working knowledge of lending policies and procedures • Working knowledge of loan agreements, loan structuring, and collateral procedures • Ability to consistently make timely sound recommendations to management while ensuring bank policies and procedures are met • Uphold core values and build team member and customer relationships • Commercial lending department experience • Excellent verbal, written, interpersonal, and negotiation skills • Demonstrated experience utilizing credit software to capture credit applications; above-average PC skills including MS Office Applications (Word, Excel), and the ability A

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