Oxford Bank-posted 2 months ago
Full-time • Mid Level
Flint, MI
Credit Intermediation and Related Activities

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.

  • Develop and manage an existing Business Banking portfolio.
  • Manage our customers 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.
  • Serve as a resource to a team of Business Bankers in the areas of marketing, new business development, and loan analysis and servicing.
  • Participate in community and professional activities to enhance our image and expand your network of business contacts for development of new business.
  • Partner with Credit & Loan Processing on the approval, documentation, and booking processes.
  • Analyze and evaluate credit requests, write loan commitments, recommend appropriate risk rating, and issue declinations.
  • Provide input to leadership regarding negotiation of loan proposals, analysis of credit requests, prepare loan commitments, and recommend appropriate credit grades.
  • Make oral presentations to loan committee and provide back-up support to team members with loan committee presentations.
  • 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.
  • Bachelors degree required.
  • Formal Credit Training.
  • Candidates must have at least 2-3 years experience managing business relationships.
  • Equal opportunity employer
  • Environment free of discrimination and harassment
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