Treasury Management Officer

Oxford Bank•Auburn Hills, MI

About The Position

The Treasury Management Officer (TMO) is a relationship-driven, consultative sales role responsible for delivering treasury solutions, generating fee income, and supporting Business Banking clients. The role focuses on deepening existing relationships, optimizing customer use of treasury products, and providing a high-quality client experience. The TMO works with Business Banking Relationship Managers and internal partners to identify client needs, implement solutions, and grow non-interest income across the portfolio. The TMO serves as a subject-matter expert on treasury products and supports clients with product training, onboarding, implementation, and ongoing service. The role also supports Business Bankers with product consultation, treasury needs analysis, pricing and depository insights, and recommendations suited to client industries, cash-flow cycles, and risk profiles. This position complies with applicable BSA laws and regulations, including the Bank’s BSA policy and procedures.

Requirements

Bachelor’s degree required.
At least 2 years of experience managing business relationships.
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.
Knowledge of depository structures and a thorough understanding of the current banking industry.
Ability to work well in a team and collaborate with internal partners to deliver customer solutions.
Ability to learn new systems, products, and processes proactively and be highly coachable.
Ability to work independently and meet prescribed deadlines.
Ability to comply with BSA laws and regulations and the Bank’s BSA policy and procedures.

Nice To Haves

A business-related field of study.
Prior experience within a financial institution.
Experience leveraging community relationships to build professional networks, support business development, or strengthen client engagement.

Responsibilities

Partner with Business Banking Relationship Managers, Credit, Deposit Operations, and internal support teams to assess client needs and deliver tailored treasury solutions.
Conduct regular portfolio and relationship reviews to identify opportunities to increase product utilization and generate fee income.
Coordinate with Retail, Business Banking, and Operations teams to support treasury product onboarding, implementation, and ongoing servicing.
Provide clients with ongoing support and training on treasury products, services, and digital banking solutions.
Serve as the subject-matter expert on treasury products, including Online Banking, Remote Deposit Capture, SmartSafe solutions, ACH, Wire Transfer, Lockbox, Corporate Cards, Merchant Services, Cash Vault, Zero Balance Accounts, and fraud-prevention tools.
Identify and execute opportunities to expand treasury product usage, increase fee income, and improve clients’ operational efficiency.
Work with internal teams to analyze account activity, pricing structures, and product configurations to optimize profitability.
Prepare treasury needs analyses and recommend solutions based on client industry, cash-flow cycle, and risk profile.
Consult with Business Bankers on treasury products during client conversations and renewal discussions.
Participate in joint calls and internal strategy sessions to identify and support treasury opportunities.
Share insight on competitive offerings, industry trends, and treasury best practices.
Support Business Bankers with depository analysis, product pricing, and cash-flow optimization strategies.
Manage implementation and setup of treasury products and services, coordinating with internal teams and third-party partners.
Oversee or coordinate equipment installation and configuration, such as RDC scanners and SmartSafe equipment.
Ensure documentation, agreements, compliance requirements, and onboarding activities are completed accurately and on time.
Resolve client issues promptly and help prevent service disruptions.
Contribute to training and mentoring new team members or colleagues.
Promote client-centric communication, responsiveness, and problem-resolution practices.
Maintain awareness of local community events, organizations, and networking opportunities to identify and develop business prospects.