Treasury Management Officer

Oxford Bank; Flint (MI); On-site; USD 65,000 - 95,000; Full time

Job summary

Oxford Bank is seeking a Treasury Management Officer to deepen client relationships and expand usage of treasury products. You will work with Business Banking teams to tailor solutions, drive fee income, and ensure high-quality client experiences.

The role emphasizes consultative sales, collaboration with internal partners, and proactive client engagement to support non-interest income growth within the portfolio.

Qualifications

• Bachelor's degree required; business-related field preferred.
• At least 2 years of experience managing business relationships.
• Experience in financial institutions preferred.
• Strong written and verbal communication skills.

Responsibilities

• Partner with Business Banking Relationship Managers and internal teams to tailor treasury solutions.
• Conduct regular portfolio reviews to increase product utilization and fee income.
• Coordinate onboarding and ongoing servicing of treasury products with Retail and Operations teams.
• Provide treasury product expertise and training to clients on digital banking solutions.
• Support bankers in renewal discussions and competitive market insights.

Skills

Communication skills

Professionalism

MS Office

Negotiation

Deposit products knowledge

Depository structures knowledge

Team collaboration

Self-motivation

Education

Bachelor's degree in business or related field

Job description

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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 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

The Treasury Management Officer (TMO) is a relationship-driven, consultative sales role responsible for delivering treasury solutions, generating fee income, and supporting the needs of Business Banking clients. This role focuses on deepening existing relationships, optimizing customer usage of treasury products, and ensuring high-quality client experience. The TMO works closely with Business Banking Relationship Managers and internal partners to identify treasury needs, implement solutions, and drive non-interest income growth across the portfolio. Success in this role is driven by strong product expertise, collaborative sales support, and proactive client engagement.

Primary Responsibilities

Relationship & Portfolio Management

• 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 with assigned clients to identify opportunities to increase product utilization and generate fee income.
• Maintain close coordination with Retail, Business Banking, and Operations teams to ensure seamless onboarding, implementation, and ongoing servicing of treasury products.
• Provide ongoing support and training to clients regarding treasury products, services, and digital banking solutions.

Treasury Product Expertise & Fee Income Growth

• Serve as the subject-matter expert on treasury products including, but not limited to: 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 within existing relationships to expand usage of treasury products that drive fee income and improve the client's operational efficiency.
• Partner with internal teams to analyze account activity, pricing structures, and product configurations to optimize profitability.
• Support Relationship Managers by preparing treasury needs analysis and recommending appropriate solutions based on client industry, cash-flow cycle, and risk profile.

Sales Support (Internal Facing)

• Support Business Bankers by providing treasury product consultation during existing client conversations and renewal discussions.
• Participate in joint calls and internal strategy sessions to ensure treasury opportunities are identified early and supported effectively.
• Offer insight on competitive offerings, industry trends, and best practices regarding treasury solutions.
• Act as a resource for Business Bankers in areas such as depository analysis, product pricing, and cash-flow optimization strategies.

Implementation & Customer Experience

• Manage the implementation and setup of treasury products and services, coordinating with internal teams and third-party partners.
• Oversee equipment installation, configuration, or coordination when needed (e.g., RDC scanners, SmartSafe, etc.).
• Ensure that all documentation, agreements, compliance requirements, and onboarding activities are completed accurately and in a timely manner.
• Deliver an exceptional customer experience by resolving issues promptly and preventing service disruptions.

Internal Leadership, Collaboration, & Community Involvement

• Contribute to training and mentoring initiatives for new team members or colleagues.
• Promote a client-centric service environment by reinforcing best practices in communication, responsiveness, and problem resolution.
• Maintain strong awareness of local community events, organizations, and networking opportunities to identify and develop business prospects

Qualifications 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 depository 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.
• Highly coachable, with a proactive approach to learning new systems, products, and processes.
• Ability to work independently and meet prescribed deadlines.

Education and Experience

• Bachelor's degree required, business related field is preferred.
• Candidates must have at least 2 years' experience managing business relationships.
• Prior experience within a financial institution is preferred.
• Experience leveraging community relationships to build professional networks, support business development, or strengthen client engagement is preferred.

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

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.