Veterinary Business Advisory Group

At the spine of Live Oak is the simple goal of being your financial partner for life. Whether it is having a trusted resource to help make tough decisions, getting strategic business advice from a professional in your industry or simply bouncing some ideas off the wall, your dedicated Business Advisory Group member is available to you 24/7.

The Business Advisory Group – or the BAG as it is fondly referred to around the Live Oak offices – is comprised of our own “mixed BAG” of experts whom maintain a valuable and lasting relationship with all customers. Unlike a typical lender, mainly concerned with collecting payments after a loan is made, your Business Advisory team will maintain a close relationship with you and help you make critical financial decisions long after the loan has been made.

Because we don’t just hang it up after the loan is made and continue to support our customers, our default rate is the lowest in the country along with our customer turnover.

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Ford Williams

Relationship Manager - Veterinary
Northeast

Ford Williams serves Live Oak Bank as a Servicing Officer and is responsible for assisting other loan officers in examining, evaluating and closing commercial extensions of credit. Prior to joining Live Oak Bank, Williams worked for Vine Street Financial, a division of BB&T, and was a Regional Sales Associate for Employer Payment Solutions, where his responsibilities included the discovery of clients looking to outsource their companies’ payroll.

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Ford Williams serves Live Oak Bank as a Servicing Officer and is responsible for assisting other loan officers in examining, evaluating and closing commercial extensions of credit. Prior to joining Live Oak Bank, Williams worked for Vine Street Financial, a division of BB&T, and was a Regional Sales Associate for Employer Payment Solutions, where his responsibilities included the discovery of clients looking to outsource their companies’ payroll. Williams also does some moonlighting in the springtime as a manger for Lewis Nursery and Farms – a seasonal farmer’s market in Wilmington, NC that’s famous for its “pick-your-own strawberries” and homemade ice cream.

Williams attended the University of North Carolina at Chapel Hill and still enjoys watching his Tar Heels when he gets the chance. He also enjoys surfing and sailing, something he learned to do as a kid while growing up at the beach.

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Louise Northington

Relationship Manager - Veterinary
Southeast (MS, AL, FL)

Louise Northington joined Live Oak Bank after graduating from North Carolina State University with a Bachelor of Science degree in Accounting with a concentration in Financial Analysis. In her spare time, Louise enjoys traveling and spending time with her friends

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Louise Northington joined Live Oak Bank after graduating from North Carolina State University with a Bachelor of Science degree in Accounting with a concentration in Financial Analysis.

In her spare time, Louise enjoys traveling and spending time with her friends and family. She grew up a devoted UNC fan and still enjoys going to Carolina basketball games every season! Go Heels! Louise is new to the Wilmington area and enjoys spending time at the beach.

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Lauren Huckabee

Relationship Manager - Veterinary
West Coast

Lauren Huckabee joined Live Oak Bank after serving as an Assurance Associate at McGladrey, LLP.  A graduate of the University of North Carolina Wilmington, Lauren earned her Bachelors of Science in Business Administration with a concentration in Accounting before completing

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Lauren Huckabee joined Live Oak Bank after serving as an Assurance Associate at McGladrey, LLP.  A graduate of the University of North Carolina Wilmington, Lauren earned her Bachelors of Science in Business Administration with a concentration in Accounting before completing her Masters of Science in Accountancy.

Born and raised in Wilmington, NC, Lauren loves being near the ocean and spending time outdoors.  In her free time she enjoys running, painting, reading and traveling.

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Caroline Huffman

Relationship Manager - Veterinary
Midwest

Caroline Huffman joined Live Oak Bank after servicing BB&T in Wilmington, North Carolina. Prior to her employment at BB&T, she attended Auburn University, earning her Bachelor of Science in Economics and minoring in Technical and Professional Communications.

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Caroline Huffman joined Live Oak Bank after servicing BB&T in Wilmington, North Carolina. Prior to her employment at BB&T,  she attended Auburn University, earning her Bachelor of Science in Economics and minoring in Technical and Professional Communications.

Outside of Live Oak , Caroline enjoys fishing and skiing with friends in Colorado. She and twin sister grew up loving  the mountains, especially whitewater rafting on the Gauley River in West Virginia. She loves to travel and one day hopes to visit her favorite spots in Europe.

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