OakNorth Visa Sponsorship USA
OakNorth is a technology-driven bank operating in the U.S. financial services space, known for its focus on growth lending and commercial banking. The company sponsors green card pathways for select roles, making it a targeted option for international professionals building long-term careers in banking and fintech.
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Get Access To All JobsINTRODUCTION
At OakNorth, we’re on a mission to empower the Missing Middle — the growth businesses who are the backbone of the economy yet remain underserved by traditional lenders. As we scale our presence in the US, we’re building a credit function that combines deep expertise with the speed, clarity, and commercial focus our customers value. As a Director in our Credit team, you’ll play a central role in delivering that mission. You’ll evaluate and challenge new lending opportunities across a wide range of trading businesses, helping shape well-structured deals that support sustainable growth while protecting the resilience of our portfolio. Your judgement will directly influence the decisions we make — and the economic impact we create. This is a highly visible, high-impact role — you’ll be centrally involved with Credit Committees, engage directly with borrowers, partner closely with deal teams, and contribute to decisions that truly move the needle. If you enjoy applying rigorous thinking to real-world commercial opportunities, this role puts you at the heart of where OakNorth delivers value.
ROLE AND RESPONSIBILITIES
Key involvement in shaping loan proposals through sighting new lending opportunities with deal teams at an early stage, assessing structure, appetite and key risks from the outset.
Work with and professionally challenge our Debt Finance Origination team and Credit Analytics team to achieve high quality Credit papers and deliver high-quality Credit recommendations to Credit Committee(s) including suggestions to improve the deal structure to facilitate positive outcomes for our customers while remaining within the Banks Credit appetite.
Cut through complexity, distilling transactions into clear, concise insights that support effective decision-making.
Communicate Credit Committee outcomes, ensuring clarity on decisions and timely execution of follow-up actions.
Review and input on term sheets to ensure the risk profile is appropriately balanced with customer outcomes.
Partner with Legal and Loan Execution through closing, ensuring our documentation, security, and conditions reflect approved structures.
Join borrower meetings with Origination, offering early guidance on appetite and deal design.
Support Portfolio Management across in-life activity — including increases, extensions, restructures, and covenant resets.
Review key due-diligence materials (financials, covenant models, financial diligence) and articulate the rationale behind covenant packages.
Ensure data integrity, supporting high-quality risk assessment across the portfolio.
* Contribute to strategic initiatives led by the Head of Credit as we scale our US business.
BASIC QUALIFICATIONS
Strong experience in US C&I lower mid-market cash-flow lending, ideally across sectors such as healthcare, hospitality, leisure, financial intermediaries, and manufacturing. Experience in structured/leveraged finance including M&A activity and private equity is essential. A strong grasp of working capital mechanics is also required.
10+ years in credit risk or a closely related discipline, or the ability to demonstrate clear transferable expertise.
Familiarity with credit risk concepts such as RWA, PD, and LGD.
A commercial mindset focused on delivering the right outcomes for customers and the bank.
A deep understanding of the SME credit lifecycle — from origination to management, collections, and recoveries.
Practical experience with risk and control techniques, including covenant setting.
Strong stakeholder and negotiation skills — able to challenge constructively and build trusted partnerships.
Ability to handle multiple deliverables in a fast-paced, high-volume environment.
* Ideally (but not essential), knowledge of operational Real Estate lending (hotels, care homes) with experience of residential property development, investment and commercial property being a plus.
BENEFITS AND PERKS
401k plan with Principal (ON match up to 4%)
Medical Care (managed through Insperity) - employees can add their family to their plan if needed
Dental & Vision bundle
Insperity Health Savings Account Program - this is a tax-advantaged employee benefit which can help manage health care costs by allowing employees to set aside some of their current earnings on a pretax basis for reimbursement of qualified health care expenses during the plan year
EAP
20 days Holiday
INTRODUCTION
At OakNorth, we’re on a mission to empower the Missing Middle — the growth businesses who are the backbone of the economy yet remain underserved by traditional lenders. As we scale our presence in the US, we’re building a credit function that combines deep expertise with the speed, clarity, and commercial focus our customers value. As a Director in our Credit team, you’ll play a central role in delivering that mission. You’ll evaluate and challenge new lending opportunities across a wide range of trading businesses, helping shape well-structured deals that support sustainable growth while protecting the resilience of our portfolio. Your judgement will directly influence the decisions we make — and the economic impact we create. This is a highly visible, high-impact role — you’ll be centrally involved with Credit Committees, engage directly with borrowers, partner closely with deal teams, and contribute to decisions that truly move the needle. If you enjoy applying rigorous thinking to real-world commercial opportunities, this role puts you at the heart of where OakNorth delivers value.
ROLE AND RESPONSIBILITIES
Key involvement in shaping loan proposals through sighting new lending opportunities with deal teams at an early stage, assessing structure, appetite and key risks from the outset.
Work with and professionally challenge our Debt Finance Origination team and Credit Analytics team to achieve high quality Credit papers and deliver high-quality Credit recommendations to Credit Committee(s) including suggestions to improve the deal structure to facilitate positive outcomes for our customers while remaining within the Banks Credit appetite.
Cut through complexity, distilling transactions into clear, concise insights that support effective decision-making.
Communicate Credit Committee outcomes, ensuring clarity on decisions and timely execution of follow-up actions.
Review and input on term sheets to ensure the risk profile is appropriately balanced with customer outcomes.
Partner with Legal and Loan Execution through closing, ensuring our documentation, security, and conditions reflect approved structures.
Join borrower meetings with Origination, offering early guidance on appetite and deal design.
Support Portfolio Management across in-life activity — including increases, extensions, restructures, and covenant resets.
Review key due-diligence materials (financials, covenant models, financial diligence) and articulate the rationale behind covenant packages.
Ensure data integrity, supporting high-quality risk assessment across the portfolio.
* Contribute to strategic initiatives led by the Head of Credit as we scale our US business.
BASIC QUALIFICATIONS
Strong experience in US C&I lower mid-market cash-flow lending, ideally across sectors such as healthcare, hospitality, leisure, financial intermediaries, and manufacturing. Experience in structured/leveraged finance including M&A activity and private equity is essential. A strong grasp of working capital mechanics is also required.
10+ years in credit risk or a closely related discipline, or the ability to demonstrate clear transferable expertise.
Familiarity with credit risk concepts such as RWA, PD, and LGD.
A commercial mindset focused on delivering the right outcomes for customers and the bank.
A deep understanding of the SME credit lifecycle — from origination to management, collections, and recoveries.
Practical experience with risk and control techniques, including covenant setting.
Strong stakeholder and negotiation skills — able to challenge constructively and build trusted partnerships.
Ability to handle multiple deliverables in a fast-paced, high-volume environment.
* Ideally (but not essential), knowledge of operational Real Estate lending (hotels, care homes) with experience of residential property development, investment and commercial property being a plus.
BENEFITS AND PERKS
401k plan with Principal (ON match up to 4%)
Medical Care (managed through Insperity) - employees can add their family to their plan if needed
Dental & Vision bundle
Insperity Health Savings Account Program - this is a tax-advantaged employee benefit which can help manage health care costs by allowing employees to set aside some of their current earnings on a pretax basis for reimbursement of qualified health care expenses during the plan year
EAP
20 days Holiday
Job Roles at OakNorth Companies
How to Get Visa Sponsorship in OakNorth Visa Sponsorship USA
Focus on roles that align with green card sponsorship
OakNorth's U.S. sponsorship activity centers on permanent residency pathways rather than temporary work visas. Prioritize roles in credit, risk, technology, or finance where specialized expertise is most likely to support an EB-2 or EB-3 petition.
Understand the EB-2 and EB-3 distinction before applying
OakNorth sponsors both EB-2 and EB-3 green cards, which have different qualification thresholds. EB-2 typically requires an advanced degree or exceptional ability, while EB-3 covers professionals with a relevant bachelor's degree. Know which category fits your background.
Target roles requiring deep financial or technical expertise
OakNorth operates at the intersection of banking and technology. Roles demanding specialized skills in credit analysis, data science, software engineering, or compliance tend to be stronger fits for sponsorship, as they're harder to fill without international talent.
Be upfront about your need for green card sponsorship early
Because OakNorth's U.S. sponsorship is focused on permanent residency rather than H-1B transfers, clarifying your immigration needs in early conversations helps both sides assess fit before investing heavily in the interview process.
Search for OakNorth openings through verified sponsorship data
Not all OakNorth postings will mention sponsorship explicitly. Migrate Mate surfaces verified sponsors so you can filter by real sponsorship history, helping you identify OakNorth roles where international candidates have a documented path forward.
Align your experience with OakNorth's growth lending focus
OakNorth built its reputation on lending to growth businesses underserved by traditional banks. Candidates with backgrounds in commercial lending, credit risk, or fintech infrastructure have a stronger story to tell when targeting sponsored positions there.
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Get Access To All JobsFrequently Asked Questions
Does OakNorth sponsor H-1B visas?
Based on available sponsorship records, OakNorth's U.S. visa activity has been concentrated on permanent residency pathways, specifically EB-2 and EB-3 Green Cards, rather than H-1B temporary work visas. If you currently hold H-1B status with another employer, you would need to confirm directly with OakNorth whether they are willing to take on an H-1B transfer, as their documented sponsorship history reflects green card filings.
Which visa types does OakNorth sponsor?
OakNorth's U.S. sponsorship record shows activity in the EB-2 and EB-3 green card categories. EB-2 is typically used for roles requiring an advanced degree or demonstrated exceptional ability in finance or technology. EB-3 covers professionals with a qualifying bachelor's degree. Candidates seeking temporary work visa sponsorship, such as H-1B, should inquire directly during the hiring process.
What types of roles at OakNorth are most likely to receive visa sponsorship?
OakNorth's sponsorship has been focused on specialized roles where deep expertise is required. Positions in credit analysis, commercial lending, risk management, software engineering, and data science are the most likely candidates, given OakNorth's positioning as a technology-forward growth lender. Roles requiring niche financial or technical skills are generally stronger fits for green card sponsorship than generalist positions.
How do I find open jobs at OakNorth that offer visa sponsorship?
Migrate Mate is the most reliable way to identify OakNorth roles with a real sponsorship track record. Rather than guessing based on job descriptions that may not mention immigration support, Migrate Mate lets you filter by verified sponsorship history, so you can focus your applications on positions where international candidates have a documented path to work authorization.
How do I approach the application process at OakNorth as an international candidate?
Given that OakNorth's sponsorship focus is on permanent residency rather than temporary work visas, it helps to be transparent about your immigration situation early in the process. Clearly articulate how your background in banking, fintech, or a related technical discipline aligns with the specific role. Green card sponsorship involves a longer employer commitment, so demonstrating specialized expertise and long-term career intent strengthens your case considerably.
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