Veterinary Lending Team

Travis York is a Senior Loan Officer for Live Oak Bank and is responsible for examining, evaluating and recommending the approval of commercial customer applications for extensions of credit. Before Live Oak Bank, York served as Loan Officer for Vine Street Financial, a division of BB&T, and as a Financial Advisor at American Express. York also has a wealth of experience working with veterinarians because he worked as a kennel assistant, receptionist and technician while working for his father – who himself is a Doctor of Veterinary Medicine. York graduated from the University of Iowa with his Bachelor’s in Business Administration and is a member of the Finance Committee of the Association of Veterinary Practice Management Consultants.

When he isn’t busy performing the duties of a Loan Officer, York enjoys both men’s and coed recreational softball and golf. A seasoned traveler, York also enjoys spending time seeing the sites within the US and abroad. Recently, Travis relocated his wife, Kim, and two dogs (Preslie & Ozzie) to Wilmington to work from Live Oak’s headquarters.

After growing up watching my father treat animals in his veterinary clinic, I now genuinely appreciate working for a bank that has a vested interest in the veterinary industry. Live Oak Bank is not about making the next loan – we are about financing the dreams of entrepreneurs and helping them succeed. I value the time I get to spend with each borrower – learning about who they are and how they operate their business. My childhood experience working beside my dad and the knowledge I’ve learned while working in the industry, allows me to advise our customers along the way. 

Vince Dailey is a Senior Loan Officer for Live Oak Bank and is responsible for examining, evaluating and recommending the approval of commercial customer applications for extensions of credit. Before joining Live Oak Bank, Dailey was the President for Vine Street Financial, a division of BB&T, and worked as an SBA Loan Packager for Thomas Financial Group as well. Dailey graduated with a Bachelor’s in Business Administration and Finance from Marquette University.

Dailey’s hobbies and interests include hockey, reading and – we’re not making this up – lending money to veterinarians. How’s that for dedicated?

I started lending money to veterinarians in the early 90’s. Over the years, I’ve gained a lot of respect for the profession and decided that I only wanted to lend to veterinarians. My partners shared that sentiment, and it led to the creation of Live Oak Bank in 2007. My years of experience with the industry, allows our customers to get straight to the heart of the project without having to explain their business. 

As a Senior Loan Officer, Annemarie Murphy examines, evaluates and recommends the approval of commercial customer applications for extensions of credit. Over the course of her career, Murphy has specialized in dental and veterinary financing with a concentration in expansion and construction loans – successfully closing an impressive $225 million plus in healthcare loans in that time. Before joining Live Oak Bank, Murphy most recently served as the Vice President of the Healthcare Finance Division for United Western Bank. She also served as the Regional Account Manager for CIT, was the Assistant Vice President for Bank of America, and worked for The Money Store Commercial Lending Division. Murphy studied Advanced Credit & Financial Analysis while attending Dun & Bradstreet Business Education classes, graduated with honors from Fairleigh Dickinson University and was awarded her BA in Political Science from Allegheny College. In 2005 Murphy was named the SBA Financial Services Champion of the Year.

Murphy is married with two teenage daughters and although they appear perfectly normal – traveling, playing golf, etc. – they are actually die-hard, season-ticket-holding, Denver Broncos fans.

Like our customers, Live Oak is a small business. Our size allows us to expedite the decision-making process and quickly close deals; our focus on limited industries allows us to be experts in our fields. We are not confined by the big bank mentality, which permits us to evaluate each customer based on their story instead of just the numbers. We're also able to specialize in construction and real estate which our competitors typically avoid. 

Carin Guerrasio joined Live Oak Bank in 2009 as a credit underwriter.  Prior to Live Oak Bank she worked in the SBA division at United Western Bank analyzing, closing, packaging and disbursing small business loans.  As a loan officer at Live Oak Bank, Carin analyzes and evaluates new credit applications in the veterinary industry.

Carin recently moved to Wilmington from Colorado.  She loves the outdoors and spending time with her dog.