Senior Data Analyst - Deposits & Treasury Management
About the job
- A bachelor's degree is required.
- At least 5 years of experience in financial services, focused on deposits, treasury, analytics, finance, or portfolio management.
- Experience building forecasts, financial models, and market or competitive analyses under changing rate and market conditions.
- Advanced proficiency in Microsoft Excel, including XLOOKUP, pivot tables, conditional formatting, and data analysis tools.
- Strong proficiency in SQL, including writing complex queries and working with large, multi-table datasets.
- Familiarity with business intelligence tools and dashboard development, including Databricks, Tableau, or Power BI, to visualize data and communicate insights.
- Ability to proactively identify process and data gaps and design and implement automated solutions to close them.
- Comfort using AI tools such as Claude to automate spreadsheet-based analysis and recurring reporting workflows.
- Ability to synthesize complex and disparate data into clear reports and insights that support executive decision-making.
- Presentation skills to explain complex data scenarios clearly to technical and non-technical audiences.
- Ability to partner effectively across functions and levels of the organization.
- Track record of meeting hard deadlines and managing competing priorities.
- Proactively identify data needs, gaps, and inefficiencies in reporting and data processes as the Deposits and Treasury Management organization grows.
- Partner with enterprise data teams to build and maintain high-quality datasets and ensure a single source of truth for deposits and treasury reporting.
- Determine the data necessary to manage the deposits and treasury business and enhance data and reporting infrastructure ahead of business need.
- Recommend updates to policies, procedures, and controls to reduce operational and data risk as processes scale.
- Support the Head of Deposits and Chief Banking Officer with data and analysis to develop, monitor, and track the department's budget.
- Build forecasts and dynamic financial models informed by current market conditions, rate environment, and competitive dynamics.
- Conduct competitive analysis of market conditions and deposit pricing to identify business opportunities and inform strategy.
- Support funds transfer pricing, liquidity and balance sheet management, and customer relationship pricing in partnership with Treasury and Finance.
- Prepare deposit pricing analysis, forecasts, and recommendations for management, including materials for the Bank's ALCO discussions.
- Monitor the deposit portfolio for deviations from projected strategy and volume, and recommend remediation.
- Develop predictive models of deposit production and growth using historical trends and current market conditions, and present findings and recommendations to leadership to guide proactive growth strategy.
- Rebuild spreadsheet-based forecasts, models, and recurring reports as automated, scalable workflows in Databricks.
- Use Claude and related AI tools to automate manual analysis, reporting, and forecasting processes currently run in Excel.
- Build and manage dashboards using Databricks, Power BI, Tableau, and advanced Excel to visualize data and track KPIs.
- Use SQL and Python to support data extraction, analysis, and automation across large, multi-table datasets.
- Modernize legacy, manual workflows using low-code platforms and automation frameworks.
- Own and maintain the KPI framework for the Deposits and Treasury Management organization.
- Develop executive- and board-ready dashboards, insights, and data narratives that clearly explain complex data scenarios, performance, and risk.
- Build and support the data and reporting needs of partner functions, including Marketing, Embedded Banking, and Merchant Services.
- Track deposits portfolio costs across marketing, deposit expense, technology, and personnel, and assist with building revenue reporting for treasury management, merchant services, and embedded banking.
- Lead monthly and quarterly reporting cadence, delivering executive-level insights on performance, risk, and trends.
- Conduct ad hoc analyses to investigate business questions and explain metric movement.
- Collaborate with the Treasury team to identify cost-effective sources of funding and support liquidity models.
- Maintain regulatory awareness, including BSA, AML, CIP, and OFAC.
- An advanced degree.
- Deposit or treasury portfolio management experience, including exposure to funds transfer pricing and ALCO processes.
- Proficiency in Python for data analysis, modeling, or workflow automation.
- Experience supporting cross-functional partners such as Marketing, Embedded Banking, or Merchant Services with data and reporting.
About the company
Live Oak Bank operates as a digital, cloud-based bank focused on serving small business owners across all 50 states. It specializes in SBA lending and banking products designed to help businesses buy, build, and expand, offering FDIC-insured checking, high-yield savings, and CDs. The bank works through a technology-driven, customer-centric model, emphasizing service to redefine how banking supports small businesses. It differentiates itself by prioritizing the customer and by being the country’s top SBA 7(a) lender by dollar volume, with a mission to be America’s small business bank. The goal is to support everyday heroes—small business owners—by providing accessible, reliable financial services that grow with their ventures.
Company Size
501-1,000
Company Stage
IPO
Headquarters
Wilmington, Delaware
Founded
2008
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Simplify's Take
What believers are saying
- September 14, 2026 UNCW Athletics sponsorship expands brand presence in Wilmington.
- August 5, 2026 Onsetto partnership targets stickier business deposits and activation.
- Live Oak Bank hired Matt Hilliard and Matthew S. Diffley to deepen commercial execution.
What critics are saying
- Deposit competition compressed margins; Q2 2026 net interest margin was 3.33%.
- Provision expense rose to $25.8 million in Q2 2026, signaling credit stress.
- Commercial lending concentration creates existential risk if underwriting weakens in a downturn.
What makes Live Oak Bank unique
- Live Oak Bank runs a branchless, vertical specialty-lending platform nationwide.
- Its July 2026 quarter showed $1.55 billion loan production and $712.5 million deposits.
- Live Oak ties lending, checking, and treasury tools to one commercial-banking workflow.
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Benefits
Paid Sick Leave
Performance Bonus
Flexible Work Hours
Company News
LakeFusion has secured an undisclosed venture debt facility from Live Oak Bank to fund product development and go-to-market expansion. The Austin company announced the financing on 22 September 2026, after raising $7.5 million in seed funding in May led by Silverton Partners, with Carbide Ventures participating. LakeFusion builds master data management software inside Databricks, allowing enterprises to reconcile customer, supplier, product, and company records into governed golden records without moving data into a separate MDM environment. The company targets manufacturing, healthcare and life sciences, financial services, and retail sectors. The venture debt facility will support continued investment across its core MDM platform, LakeGraph, and Product Information Management. LakeFusion's software became available through the Databricks Marketplace in June 2026. The facility extends LakeFusion's operating capacity without immediate equity dilution, though specific loan terms remain undisclosed.
Movers & shakers: Brian Babcock, Carly Lovenguth & Erin Haldeman. August 27, 2026 Bob Coleman Founder & Publisher Brian Babcock Joins Ameris Bank as VP of Government Guaranteed Lending Brian Babcock has joined Ameris Bank as Vice President, Government Guaranteed Lending Business Development Officer after more than 11 years with Live Oak Bank. In his new role, Babcock will focus on SBA 7(a) and 504 lending nationwide. Babcock brings more than a decade of experience financing SBA 7(a) and 504 projects. He works with business owners on financing for acquisitions, commercial real estate, expansions, construction and other growth opportunities. At Ameris, he will continue working with automotive and car wash relationships he has developed throughout his career while expanding his lending across a broader range of industries. Babcock joined Live Oak Bank in 2015 as a Business Analyst before becoming a Credit Underwriter in 2017. He moved into a Loan Officer role in 2019 and became Vice President, Senior Loan Officer in January 2025. His work at Live Oak included financing for independent and franchise auto repair shops, collision centers and car washes using SBA 7(a), Express, 504 and conventional lending products. Carly Lovenguth Promoted to Director of SBA Operations at Busey Carly Lovenguth has been promoted to Director of SBA Operations at Busey, marking a new chapter in her more than two-decade career with the bank. Lovenguth currently serves as Senior Vice President and has held a number of SBA, commercial lending, compliance and operations roles during her 23 years with Busey. Lovenguth joined Busey as a bank teller in 2003 before moving into data entry, post-closing and compliance roles. She later served as Vice President - Commercial Documentation Manager and Vice President - SBA Portfolio Manager before taking on responsibility for SBA administration, documentation and closing. Announcing the promotion, Lovenguth expressed gratitude for the trust placed in her and said she looks forward to continuing to grow, lead and make a positive impact in her new role. Erin Haldeman Named SBA Business Development Associate at Fulton Bank Erin Haldeman has started a new position as SBA Business Development Associate at Fulton Bank, continuing her career with the bank after spending the past year in its Management Trainee program. Haldeman joined Fulton Bank as a Management Trainee in June 2025. Before joining the bank, she worked as a Customer Service Sales Assistant with University of Pittsburgh Athletics and completed a New Business Development internship with Clark National Accounts. Haldeman earned a Bachelor of Business Administration in Finance and Marketing from the University of Pittsburgh in 2024. Announcing her new role, she expressed gratitude to those who contributed to her development during the Management Trainee program and said she is excited to continue her career at Fulton Bank.
Hilliard joins Live Oak Bank. By Staff Reports, posted About 13 hours ago Matt Hilliard Live Oak Bank has named Matt Hilliard a commercial banking relationship manager focused on the Wilmington market, according to a news release. He joins Brad Neigel and Morgan Moskal on the bank's Wilmington commercial banking team. The team provides business loans up to $25 million along with checking, savings and cash management tools for small business and commercial clients, the release stated. A Wilmington native and N.C. State University graduate, Hilliard brings more than 25 years of banking experience to the role, according to the release. He began his career at Central Carolina Bank in 1999 and has served in branch management, mortgage lending, business banking and commercial lending, the release stated. Hilliard serves on the boards of the Wilmington Symphony Orchestra, the Rotary Club of Wilmington, where he is president-elect, Friends of Camp Kirkwood and the Community Counseling Center, according to the release. SPONSORS' CONTENT
Live Oak Bancshares (LOB) - SELL signal amid bear regime and recent Q2 Earnings miss. LOB SELL BEAR sell flip LOB Live Oak Bancshares, Inc. $38.10 -10.56% LOPJLB.COM Live Oak Bancshares closed at $40.89, down 4.01% as of 2026-08-19 (Wednesday, US session). The LOPJLB proprietary model now flags a SELL directional signal with a -5 score, reflecting a bearish market regime for the stock. Live Oak Bancshares (NYSE: LOB) has been the focus of several recent news items that together shape the current market narrative. The company reported its second-quarter 2026 results on July 22, posting revenue and earnings that exceeded Wall Street estimates but also highlighting a slowdown in loan growth and a modest increase in credit costs. Zacks' analysts have repeatedly highlighted the stock's momentum, labeling it a "great momentum stock" and a "strong momentum stock" in early-July coverage, while a MarketBeat alert on July 23 summarized the earnings-call highlights for investors. An insider-sale filing from late June revealed a $336,000 disposition that coincided with a 40% share-price rally over the prior twelve months, adding a layer of scrutiny to the recent price appreciation. Live Oak Bancshares announced on July 22 that its second-quarter 2026 revenue rose to $929.3 million, up 19% year-over-year, and earnings per share reached $1.72, modestly beating consensus forecasts. The press release emphasized that loan originations continued to expand, yet the pace of new commercial loan growth decelerated compared with the prior quarter, prompting the bank to tighten underwriting standards in response to a tightening credit environment. Live Oak Bancshares, Inc. Reports Second Quarter 2026 Results In a July 23 MarketBeat instant-alert, analysts highlighted that while net interest income grew, the bank's net margin slipped to 12.73%, down from 13.5% a year earlier. The commentary noted that higher deposit funding costs and a modest rise in loan-loss provisions contributed to the margin compression, and management signaled caution on future loan growth given rising rates and competitive pressures in the regional banking sector. Live Oak Bancshares Q2 Earnings Call Highlights Zacks published two separate pieces in early July that framed Live Oak Bancshares as a "great momentum stock" and a "strong momentum stock." Both articles underscored the bank's robust earnings growth - 145.2% EPS growth over the trailing twelve months - and a PEG ratio of 0.31, suggesting that the share price may still have upside relative to earnings expectations. However, the same coverage also warned that the stock's P/E TTM of 14.20 sits below its historical average of 0.73 (relative to the historical mean), implying that the market may already be pricing in much of the recent earnings acceleration. Zacks also released two detailed Q2 earnings analyses on July 22, comparing key metrics to Wall Street estimates and confirming that both revenue and earnings surpassed expectations. A June 29 report from The Motley Fool examined a recent insider sale in which a senior executive disposed of shares worth $336,000. The filing noted that the insider's sale occurred after the stock had appreciated nearly 40% over the previous twelve months, raising questions about insider sentiment despite the company's strong earnings trajectory. What to Know About a $336,000 Live Oak Bancshares Insider Sale With Shares Up Nearly 40% This Past Year Fundamentals and valuation. FINANCIAL HISTORY Live from LOB · same charts as the stock page
Live Oak Bancshares reported Q2 revenues of $160.1 million, up 11.4% year-on-year and exceeding analyst expectations by 3.2%. The company delivered a strong quarter, beating estimates for net interest income and earnings per share. The results came as 93 tracked regional banks reported mixed Q2 performance, with revenues collectively in line with consensus estimates. Following the earnings announcement, Live Oak's stock rose 3.8% to $42.61. OFG Bancorp emerged as the top Q2 performer among regional banks, posting revenues of $190.3 million, up 4.5% year-on-year and surpassing expectations by 3.9%. Regional banks continue to face challenges including fintech competition, deposit outflows, and concerns about commercial real estate exposure.