Matt Kelkenberg

Director, Credit Analytics & Financial Modeling @Live Oak Bank

Charlotte, NC, US
MOBILE NUMBERS
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WORK HISTORY

Mar 2025 — Present

Director, Credit Analytics & Financial Modeling @Live Oak Bank

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Led development and implementation of a loan-level CECL model framework (PD × LGD × EAD), enhancing risk sensitivity, governance, and alignment with regulatory expectations while transitioning from a legacy vendor-based approach• Designed and operationalized end-to-end forecasting and reporting processes (Databricks + Python), improving automation, reducing manual controls, and delivering actionable insights to senior leadership and the Audit Committee

EDUCATION

2010 — 2013

Buffalo State University

Bachelor of Science, Mathematics

2016 — 2017

North Carolina State University

Master of Science, Analytics

ABOUT MATT KELKENBERG

Director of Credit and Financial Modeling with multiple years of experience in statistical programming and modeling using SAS and Python within financial and retail industries. Lead the development of various modeling projects such as the Construction Loss Forecasting Framework for CCAR and CECL, Retail Customer Lifetime (CLV), and individual PD, LGD, and Balance Dynamics models for other Commercial portfolios. Other model development includes discrete time survival models, fractional logic models, Commercial and Business Banking behavioral scorecards with logistic regression, k-means clustering, and creating implementation codes to execute suites of models to produce forecasts. Strong credit risk and finance professional with a Master of Science focused in Analytics from North Carolina State University.

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Matt Kelkenberg — Director, Credit Analytics & Financial Modeling at Live Oak Bank in Charlotte, NC, US | Unifers