Job Summary
The Account Executive is responsible for managing all aspects of an assigned portfolio of clients ensuring these relationships meet Bank and Oxford Commercial Finance (OCF) standards. The standards include administering and underwriting relationships that will result in an acceptable level of credit risk with an appropriate rate of return for our stakeholders. The Account Executive may be tasked with additional responsibilities such as underwriting ABL or Factoring transactions and operational or portfolio matters as requested.

Primary Responsibilities
• Manage assigned portfolio of clients through complete and current knowledge of client's financial condition, management's capabilities, industry trends, and take timely action so client losses are minimized and do not exceed budgeted standards.
• Responsible for ensuring all advances and loans comply with loan policy and approved structure.
• Responsible for documenting all client relationships to ensure approved and required legal documentation is received.
• Resolve ABL and factoring service problems, control operational costs and minimize loss of clients to competition.
• Propose changes in policies and procedures to reduce costs and provide better and more efficient services.
• Structure and underwrite changes to existing deals for management approval including presentation to OCF’s credit committee when necessary.
• Understand OCF’s credit policies and minimum underwriting standards.
• Work closely with Underwriter and Operations team members during the transition of prospects to new clients to assist with the closing, initial funding, and onboarding of new clients.
• Requires minimum amount of traveling to meet with clients and develop new business relationships.
• Other duties as assigned.

Qualifications and Skills
These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner.
• Experience in analyzing or underwriting factoring or asset-based lending transactions.
• Knowledge in secured lending with a focus on collateral analysis and cash flow.
• Organized and attention to detail required to understand and manage risk, amongst a diverse group of client relationships.
• Strong credit analysis and analytical skills.
• Ability to review and effectively spread financial statements.
• Excellent verbal and communication skills, with the further ability to effectively understand and negotiate legal documents.

Education and Experience
• Bachelor’s degree with a concentration in accounting or finance is preferred.
• Previous field exam experience working on secured lending transactions is preferred.
• Three or more years’ experience in asset-based lending positions. Such experience should include proficiency in managing or underwriting more complex capital structures (i.e., inventory and equipment loans) and strong financial and analytical skills.

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

Additional Information
Department: Commercial Finance • Reports to: Portfolio Manager • Travel: Minimal
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.”