Job Title: Chief Financial Officer

Reports To: CEO, currently named Carter Sain

Works Closely With: Board of Directors, Audit Committee, ALCO, & Executive Management

Department: Accounting

Employment Type: Full-time

Location: 301 Murfreesboro Hwy, Manchester, TN 37355

Position Summary:

The Chief Financial Officer (CFO) is responsible for the overall financial management, strategy, and integrity of the bank and mortgage company. This role oversees accounting, financial reporting, budgeting, asset/liability management, capital planning, regulatory reporting, and financial risk management. The CFO serves as a key strategic partner to the CEO and Board of Directors, ensuring the bank and mortgage company’s financial health, regulatory compliance, and long-term sustainability including effective liquidity management, financial governance, and balance-sheet resilience across economic cycles.

Duties and Responsibilities:

1. Develop and execute the bank’s financial strategy aligned with strategic and operational goals.

2. Deliver comprehensive financial analysis and insights to inform executive decision-making through regular engagement with the Executive Leadership Team and CEO.

3. Advise the CEO and Board by preparing financial packages, including trend analysis, dashboards, and forward-looking risk indicators and opportunities as well as updates on financial performance.

4. Participate as a key member of executive leadership and strategic planning teams.

5. Oversee all accounting functions, including general ledger, accounts payable/receivable, and fixed assets oversight.

6. Ensure timely and accurate preparation of monthly, quarterly, and annual financial statements and reports.

7. Maintain compliance with GAAP, regulatory accounting standards, and internal controls.

8. Review and oversee Call Reports (FFIEC 031/041), FR Y filings, and other regulatory submissions.

9. Serve as primary financial liaison for regulators, auditors, and examiners.

10. Ensure adherence to all financial reporting, capital, and liquidity regulations.

11. Coordinate and support internal and external audits, responding to findings and remediation plans.

12. Ensure compliance with FDIC, Federal Reserve, and state banking requirements.

13. Supervise the preparation and timely filing of all local, state, and federal tax returns.

14. Oversee Asset/Liability Management (ALCO), including governance of interest rate risk, liquidity risk, funding strategies, and both short-term earnings sensitivity and long-term balance-sheet risk.

15. Oversee liquidity risk management, including development, maintenance, and testing of the Liquidity Contingency Funding Plan (CFP), and provide regular reporting to ALCO and the Board.

16. Collaborate with Chief Credit Officer in preparation of loan loss (CECL)

17. Monitor capital adequacy, stress testing, and capital planning including scenario analysis and capital contingency planning.

18. Evaluate deposit pricing, loan yields, and funding costs to optimize net interest margin.

19. Analyze balance sheet structure and profitability drivers.

20. Lead the annual budgeting process and multi-year financial forecasts.

21. Monitor performance against budget and provide variance analysis.

22. Develop financial models supporting growth, acquisitions, branch performance, and new products while ensuring appropriate governance, documentation, and review of model assumptions.

23. Establish and track key financial and performance metrics.

24. Identify, assess, and mitigate financial risks, including credit, liquidity, interest rate, and operational risk.

25. Ensure strong internal controls and financial governance practices.

26. Collaborate with Risk, Compliance, and Internal Audit functions.

27. Lead, mentor, and develop finance and accounting staff ensuring appropriate staffing, training, and succession planning within the finance function.

28. Promote a culture of accountability, accuracy, continuous improvement, and ethical financial practices consistent with the bank’s values and regulatory expectations.

29. Other duties as assigned by the leadership team.

Education, Experience, and Certification Requirements:

1. Bachelor’s degree in Accounting, Finance, Business, or a related field required.

2. CPA, CFA, or MBA strongly preferred.

3. Minimum of 5 years of progressive financial leadership experience, preferably within a bank or financial institution.

4. Demonstrated experience working with Boards, regulators, and external auditors.

5. Experience in Fiserv Navigator preferred.

Knowledge, Skills, and Abilities:

1. Ability to multi-task in a fast-paced environment.

2. Strong understanding of banking regulations, Call Reports, ALCO, and capital management.

3. Expertise in GAAP, financial reporting, budgeting, and forecasting.

4. Advanced analytical, strategic thinking, reasoning, and problem-solving skills.

5. Excellent written and verbal communication skills, including presentation to Boards.

6. High level of integrity, discretion, and attention to detail.

Physical Requirements:

1. Prolonged periods of sitting at a desk and working on a computer.

2. Ability to see and hear within normal ranges, with or without reasonable accommodation, to effectively perform essential job functions.

3. Occasional travel for regulatory meetings, training, or conferences.

4. Extended hours may be required during audits, examinations, and reporting cycles.

5. Must be able to lift up to 15 pounds at times.

6. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the position.

Coffee County Bank Values:

· We do business with integrity, honesty, and professionalism.

· We care about our clients and aim to give them the best service possible.

· We are committed to supporting and serving our local communities.

We are an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.

Coffee County Bank | Coffee Bank & Trust

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