Summer 2027 Intern: Hospitality Lending Analyst

About Us

Live Oak Bank is a digital bank that serves small business owners across the country.  Our groundbreaking spin on service and technology has fueled our mission to be America’s Small Business Bank. Our products help customers buy, build, and expand their business, and our high-yield savings and CD products help them grow their hard-earned money.  At Live Oak, we never lose sight of the well-being of our people. We believe our employees are the heart of our company. Our commitment to our customers and culture is intertwined, and we seek those who embody and embrace what it takes to empower the American dream.

Ready to make an impact? We're looking for an onsite intern to join our team for the 10-week Summer Internship program (May 17 - July 23, 2027) at our headquarters in Wilmington, NC. Applications are due by 11:59 p.m. ET on Monday, September 28th.

How This Role Impacts Live Oak and Its People

Live Oak's Hospitality Lending team finances hotels across the country — from acquisitions and refinancing to ground-up construction and value-add repositioning. As an intern on this team, you’ll get a front-row seat to how a growth-oriented bank underwrites real, complex credit decisions for hotel owners and operators nationwide.

Your work will directly support the analysts, closers, and relationship managers who move deals from first look all the way through closing and beyond, giving you exposure most interns never get: real transactions, real numbers, real stakes. You’ll leave with a genuine understanding of how commercial real estate lending works end-to-end, and how a relationship-driven culture can scale into a sophisticated, national lending platform.

What You'll Do at Live Oak

- 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, so you understand what happens after a deal funds, not just how it gets there

- 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 — fresh eyes are always welcome, and good ideas get heard here

- Shadow calls and meetings with hotel sponsors, brokers, and internal stakeholders to see how deals actually get done

- Take on a capstone project or analysis over the course of the internship, with the opportunity to present findings to the team

- Enjoy the fun stuff too — team outings, site visits, and getting to know the people who make this bank feel more like a community than a corporation

Required Experience

- 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

Preferred Experience

- 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

#LI-DNI

Our Values

- Dedication:  Possess a deep commitment to Live Oak Bank’s mission and core values, exemplified through a strong work ethic, adaptability and pride in your work.
- Ownership:  Take initiative to deliver positive results by proactively and creatively solving problems, while maintaining a high degree of quality.
- Respect:  Treat everyone with courtesy, politeness, and kindness.
- Innovation:  Embrace fresh ideas and fearlessly contribute new solutions to emerging or existing problems.
- Teamwork: Foster collaboration, accountability, and trust with others and understand that together, we do more

For a detailed overview of our employee benefits please visit:  http://www.liveoakbank.com/careers/

Live Oak Bank is an Affirmative Action and Equal Opportunity Employer, Minorities/Women/Veterans/Disabled. We consider applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, veteran status or disability. Equal access to programs, service and employment is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify human resources at   [email protected] .

EEO is the Law
The base pay range for this position is $19.77 - $32.12 per hour. Compensation may also include annual bonuses and long-term incentives, subject to various metrics and company policy. A candidate’s salary is determined by several factors including travel, relevant work experience or skills and expertise.

Please note that we provide at least the minimum requirement of paid sick leave to our employees who reside in states that require employer-paid sick leave, including but not limited to Arizona, California, Colorado, District of Columbia, Maine, Maryland, Massachusetts, Michigan, Nevada, New Jersey, New Mexico, New York, Oregon, Rhode Island, Vermont, and Washington.