Business Banking Relationship Manager

About Oxford Bank
At Oxford Bank, we are passionate about serving our clients and communities. As a leading provider of sophisticated financial solutions, we are committed to providing an exceptional customer experience in a positive work environment. We have a community-bank feel with the large-bank ability, allowing us to compete with all financial institutions. Delivering tailored solutions for owner-managed businesses is at the heart of our organization.

Team Culture
Meaningful impact comes from working together. Our team is a small and cohesive unit. Even our executives pitch in to help with clients. Our relationships, shared decision making, mutual respect for others, and desire to win are what make us successful. Managers at all levels practice an open-door policy to encourage candid communication, feedback, and discussion. Ideas on how to impact the bottom line are listened to, encouraged, and respected.

As a team, we are deeply connected with our communities and volunteer/ participate in worthy causes. We are passionate about the company’s contributions to the markets we serve and the great opportunity we must give back.

Job Summary
A Business Banking Relationship Manager is a sales and management position responsible for creating value for Business Banking relationships and Treasury Management relationships. They are responsible for individual Relationship Managers production while promoting other products and services provided by Oxford Bank.

Primary Responsibilities
• Develop and manage an existing Business Banking portfolio.
• Manage our customer’s relationship around profitability and portfolio risk while responsible for profitable growth of the assigned portfolio.
• Grow and expand the Business Banking portfolio by focusing on new businesses development.
• Build and maintain an external referral base and maintain a visible market presence to pursue new Business Banking relationships.
• Meet with business owners to build strong relationships, identify needs, and recommend product solutions.
• Partner with Personal Banking to create and deliver customer solutions.
• Partner with Loan Fulfillment to ensure accuracy and completeness of credit packages according to policy.

How You’ll Spend Your Time
• You’ll serve as a resource to a team of Business Bankers in the areas of marketing, new business development, and loan analysis and servicing.
• You’ll participate in community and professional activities to enhance our image and expand your network of business contacts for development of new business.
• You’ll partner with Credit & Loan Processing on the approval, documentation, and booking processes. Analyzing and evaluating credit requests, writing loan commitments, recommending appropriate risk rating, and issue declinations.
• You’ll provide input to leadership regarding negotiation of loan proposals, analysis of credit requests, prepare loan commitments, and recommend appropriate credit grades. You’ll make oral presentations to loan committee and provide back-up support to team members with loan committee presentations.

Qualification and Skills
• Excellent written and verbal communication skills.
• High level of professionalism.
• Experience using Microsoft Office products.
• Demonstrated consistent and effective negotiation skills.
• General knowledge of business deposit products and services.
• Demonstrate knowledge of credit structures, along with thorough understanding of current banking industry.
• Work well within a team environment and collaborate closely with internal partners to deliver customer solutions.
• Experience with mentoring and coaching team members.

Education and Experience
• Bachelor’s degree required.
• Formal Credit Training.
• Candidates must have at least 2-3 years’ experience managing business relationships.

Eligible Team Members of Oxford Bank enjoy the following benefits:

• Health and welfare benefits, including medical, dental, vision, life, FSA and disability.
• LifeStyle Spending Account
• Employee Tuition Assistance Program
• 401(k) Retirement Plan with Company Match: Our 401(k) plan provides a wide range of investment options.
• Paid Time Off: Our PTO policy provides team members with paid time off from work for vacation, personal business and sick time.
• Paid Holidays: Ten paid holidays annually.

*This position will comply with all BSA compliance laws and regulations including the Bank’s BSA policy and procedures.

Additional Information
Department: Business Banking • Reports to: Business Banking Group Manager • Travel: Yes
Classification: Exempt • Employment Type: Full-time • Supervises: None

“Oxford Bank is an equal opportunity employer and is committed to providing equal employment opportunities and an environment free of discrimination and harassment. All employment decisions at Oxford Bank are made without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, veteran or disability status.”