Credit Risk Review Officer

Live Oak Bank

. Lead reviews of the Bank's most complex, higher-risk, or specialized lending relationships .

Posted 10/21/2026full-timeRemote • North Carolina • United StatesSeniorLead💰 $128,500 - $179,900 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in credit risk review, underwriting standards, and portfolio management practices, with a strong focus on regulatory compliance and risk assessment methodologies. Proven ability to lead teams, mentor associates, and enhance credit policies within complex lending environments.

Highest-signal resume keywords

Credit Risk ReviewRegulatory CompliancePortfolio ManagementAnalytical SkillsTeam Leadership

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk FrameworksUnderwriting StandardsLoan Review MethodologiesRisk Assessment PracticesCredit MetricsPortfolio AnalysisSBA LendingUSDA LendingAsset Based LendingSponsor Finance

Soft Skills

Communication SkillsRelationship BuildingAnalytical ThinkingMentoringProcess Improvement

Tools & Technologies

Credit MIS ToolsRisk Analytics

Certifications & Qualifications

Formal Credit Risk Training

Industry Keywords

Commercial LendingInternal AuditRegulated Financial InstitutionBSAAMLCIPOFAC

About the role

Key responsibilities & impact

Lead reviews of the Bank's most complex, higher-risk, or specialized lending relationships
Develop independent conclusions regarding risk ratings, underwriting quality, policy compliance, and portfolio management practices
Monitor portfolio performance and identify trends, emerging risks, delinquency, bankruptcy, collateral sufficiency, and industry concentrations
Contribute to credit risk review methodologies, coverage strategies, reporting frameworks, and risk assessment practices
Perform individual file and relationship reviews under the risk-based loan review program
Validate loan risk grade assignments against policies and regulatory guidelines
Serve as subject matter expert for assigned commercial products
Ensure quality, completeness, and accuracy of credit risk review documentation and analysis
Participate in findings discussions and monitor corrective actions
Provide independent challenge to lending, underwriting, and portfolio management practices
Support regulatory examinations, internal audits, and governance reporting
Deliver timely reports to the Managing Director, Credit Risk Review
Maintain expertise in commercial and government-guaranteed lending programs, including SBA and USDA
Manage, coach, and develop Credit Risk Review Associates and Senior Associates
Serve as a thought partner in enhancing credit policy, risk appetite, and portfolio management strategies
Maintain awareness of BSA, AML, CIP, and OFAC requirements

Requirements

What you’ll need

10+ years of progressive experience in credit risk review, special assets, internal audit, or commercial credit within a regulated financial institution
Extensive knowledge of complex and highly structured commercial lending structures, underwriting standards, credit risk frameworks, and portfolio management practices
Expertise in Sponsor Finance, Lender Finance, Subscription Finance, Asset Based Lending, and Venture
Ability to provide a fulsome review and opinion on credit risk and mitigated loan quality of large, structurally complex transactions
Strong understanding of regulatory expectations related to credit risk management, independent loan review, and safety-and-soundness standards
Ability to implement review methodologies, drive process improvements, and contribute to executive-level reporting
Strong analytical, communication, and relationship-building skills
University or college degree in a related discipline (preferred)
Formal credit risk training or professional certification (preferred)
Familiarity with risk analytics, credit metrics, portfolio analysis, and credit MIS tools (preferred)
Background in high-growth or digitally focused banking environments (preferred)
Ability to mentor and lead high-performing risk or credit teams (preferred)
Work sponsorship is not supported now or in the future

Benefits

Comp & perks

Annual bonuses
Long-term incentives
Paid sick leave, at least the applicable state minimum
Employee benefits detailed on the company careers page