Mark M. Moroz serves as Chief Banking Officer at Live Oak Bancshares, Inc., a leading fintech-driven bank holding company headquartered in Wilmington, North Carolina. In this role, he oversees all banking operations, including commercial lending, credit risk management, deposit growth, and strategic initiatives that support the company's focus on small business lending. Under his leadership, Live Oak has solidified its position as the nation's largest Small Business Administration (SBA) lender, facilitating billions in loans to entrepreneurs across diverse industries such as veterinary practices, dental offices, and franchises. With more than 25 years of experience in commercial banking, Moroz joined Live Oak in 2015 after a distinguished career at Bank of America Merrill Lynch, where he held senior positions in middle-market banking, commercial real estate finance, and credit portfolio management. His expertise in underwriting complex loans, navigating regulatory environments, and scaling high-growth lending platforms has been pivotal to Live Oak's expansion from a niche SBA lender to a top-tier national bank. Moroz's achievements include driving record loan production volumes exceeding $10 billion annually, implementing advanced data analytics for enhanced risk assessment, and spearheading digital transformation efforts that streamline customer experiences. His strategic vision has contributed to Live Oak's consistent profitability, strong asset quality, and recognition as an innovator in purpose-built banking solutions for small businesses.