Business Banking - Relationship Manager Group Manager

Oxford Bank•Macomb, MI

11h

About The Position

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. 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 companys contributions to the markets we serve and the great opportunity we must give back. The Group Manager will be responsible for leading a team of Relationship Managers, to execute against our strategy, and drive growth throughout the segment. The Group Manager will be responsible for ensuring that the RMs are executing on our small business strategy, by developing new business relationships, and managing a portfolio of relationships within their target markets, to ensure growth in deposits, loans and revenue generating products & services. In addition to leading a team of RMs, The Group Manager will play a critical role in driving segment growth, by personally managing a portfolio of top tier business clients within their markets, that have more complex and diverse business needs. They will work closely with the Chief Relationship Officer to help influence strategy and shape the culture throughout Business Banking. They will also partner with the Personal Banking within their assigned geographies to execute against the consumer segment strategy, to deliver an excellent client experience, and drive value to the clients that we serve.

Requirements

Candidates must have at least ten (10) years experience managing business relationships; and two(2) years experience leading a sales team.
Formal Credit Lending training
Extensive knowledge of credit, financial analysis techniques & lending policy, with ability to package and present credit deals to segment leadership & credit team. Well demonstrated understanding of loan risk factors a plus.
Proven track record of developing and coaching high performance sales and service teams is preferred.
Candidates with advanced degrees (Associates, Bachelors, and/or Masters). Candidates with some combination of coursework and experience, or else extensive related professional experience, are eligible for consideration.
Proven sales leadership with demonstrated capabilities, expertise in coaching, goal setting, and performance management.
Experience in development of sales strategies.
Proven management experience leading multiple teams, offices, and staff units to exceed desired objectives in areas including, but not limited to sales, service, quality and operations.
Exceptional business development skills & Entrepreneurial business management orientation.
This position will comply with all BSA compliance laws and regulations including the Banks BSA policy and procedures.

Responsibilities

Oversee the execution of our business segment strategy, by leading a team of Relationship Managers (RMs) to drive growth and profitability for new and existing relationships within their portfolio. Responsible for team & individual execution against targeted growth goals of our core KPIs, in New Business Development, Deposit Growth, Loan production & Treasury Management Fee Income.
Develop & maintain extensive network of business contacts, Centers of Influences (COIs), community leaders and other referral sources in order to develop new business and generate revenue. Effectively manage and grow the individual & team pipeline consistent with production expectations.
Lead weekly and monthly meetings with team to analyze results, review pipeline effectiveness, forecast teams expectations vs budgets, & ensure execution of overall segment strategy.
Work closely with the Chief Relationship Officer to help shape culture and drive the strategic vision of the segment.
Develop and present effective credit proposals/memos for consideration. Work with senior leadership and credit to negotiate quality loans within our established policy & guidelines.
Ensure & uphold operational integrity amongst team by complying with all regulations, policies, and procedures.
Coach your Team on how to generate New Opportunities Memos for internal discussion.
Coach your Team on how to generate Term Sheets for Clients to review.
Pipeline Management in Loan Vantage
Serve as a resource to a team of Business Bankers in the areas of marketing, new business development, and loan analysis and servicing.
Oversee annual department objectives, provide input on our operating plan, and help implement department programs to comply with organization requirements.
Call on complex commercial accounts to develop new relationships with prospective clients, cross-sell products, and services, and retain existing clients.
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. Analyzing and evaluating credit requests, writing loan commitments, recommending 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. Youll make oral presentations to loan committee and provide back-up support to team members with loan committee presentations.