"Steve's work and leadership have contributed greatly to Live Oak's impeccable credit culture. Michael has been at his side for years, creating the perfect hand off for Steve to help us expand our commercial banking efforts while keeping safety and soundness a priority for the bank," said James S. (Chip) Mahan II, Chairman and CEO of Live Oak. "Michael will be an exceptional addition to our credit legacy, and we are excited to have him lead the team." Prior to joining Live Oak, Cairns spent a decade in lend ...