Business Banking Loan Officer

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 Loan Officer is a portfolio management position responsible for creating value for our Business Banking relationships and Treasury Management relationships while promoting other products and services provided by Oxford Bank.

Primary Responsibilities
• Developing 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.
• 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 Credit and Loan Documentation 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 oversee annual department objectives, provide input on our operating plan, and help implement department programs to comply with organization requirements.
• You’ll call on complex commercial accounts to develop new relationships with prospective clients, cross-sell products, and services, and retain existing clients.
• 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 banking, lending, and 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.

Education and Experience
• Bachelor’s Degree in a related field.
• Formal Credit Lending training.
• Candidates preferably have at least 1-2 years’ experience managing business relationships.

*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.”