Senior Credit Officer, Commercial – Solar & Renewable Energy

Live Oak Bank

. Serve as the embedded credit officer for the solar and renewable energy lending team .

Posted 11/10/2026full-timeRemote • North Carolina • United StatesSenior💰 $190,180 - $262,140 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in solar and renewable energy credit analysis, underwriting, and portfolio management, with a strong focus on risk assessment and compliance with banking policies. Proven ability to present complex credit recommendations and manage stakeholder relationships effectively.

Highest-signal resume keywords

Solar And Renewable Energy Credit ExperienceFinancial Analysis And UnderwritingProject-Level Financing ApprovalRisk Rating And Covenant MonitoringStrong Written And Verbal Communication

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit ApprovalFinancial AnalysisUnderwritingProject Economics EvaluationDebt SizingDSCR SculptingLoan Portfolio ManagementProblem Loan ResolutionCredit Policy DevelopmentRegulatory Compliance

Soft Skills

Communication SkillsCross-Functional CollaborationDecision-Making

Industry Keywords

PPAEPC ContractsO&M ContractsTax Equity StructuresCommercial LendingConstruction LendingUSDA Lending ProgramsSBA Lending ProgramsRisk MitigantsCredit Committee Participation

About the role

Key responsibilities & impact

Serve as the embedded credit officer for the solar and renewable energy lending team
Engage with bankers and underwriters to shape deal structure, terms, and risk mitigants
Approve solar and renewable energy credit requests within individual authority
Present larger or more complex transactions to the Commercial Finance Credit Committee and senior credit leadership
Provide subject matter expertise on solar and renewable energy projects and financing structures
Evaluate project economics, revenue quality, contracts, energy production estimates, debt sizing, and DSCR sculpting
Assess sponsor, developer, EPC, and O&M counterparty strength and project risks
Oversee construction lending credit aspects, draw review, milestone and COD tracking, and conversion conditions
Own credit oversight of the solar and renewable energy portfolio
Monitor project performance, covenants, reserves, annual reviews, and risk ratings
Identify early warning signs and lead resolution strategies for watch list and troubled loans
Approve modifications, waivers, consents, and extensions within individual authority
Contribute to credit policy, underwriting standards, concentration monitoring, and portfolio reporting
Conduct site visits to operating and under-construction projects
Support loan production and ensure compliance with risk policies and mitigants
Work cross-functionally with departments involved in loan production
Assist with credit training, board reports, credit policy maintenance, and Commercial Finance Credit Committee participation
Support transactions and portfolio activities across other Commercial Bank lending verticals as capacity allows
Maintain regulatory awareness of BSA, AML, CIP, and OFAC

Requirements

What you’ll need

7+ years of solar and renewable energy credit experience, including financial analysis, underwriting, structuring, and credit approval of project-level and portfolio financings
Demonstrated experience decisioning or recommending credit approvals on solar and renewable energy transactions, including construction and term financings
Working knowledge of PPAs, interconnection agreements, EPC and O&M contracts, independent engineer reports, and tax equity and tax credit transfer structures
Experience managing a renewable energy loan portfolio, including risk rating, covenant monitoring, and problem loan resolution
Strong understanding of the Bank’s policies, procedures, and criteria
Strong written and verbal communication skills, including presenting credit recommendations to committee
Commercial lending and sales experience
Exposure to commercial real estate, sponsor finance, venture banking, or ABL is a plus
Exposure to USDA or SBA guaranteed lending programs is a plus

Benefits

Comp & perks

Annual bonuses
Long-term incentives
Paid sick leave (at least the minimum required in applicable states)
Equal access to programs, service and employment
Reasonable accommodation for the application/interview process