Chief Financial Officer (CFO)

Summary

The Chief Financial Officer (CFO) provides strategic and operational financial leadership for a Texas-based community bank, ensuring strong financial performance, regulatory compliance, and long-term sustainability. As a key member of the executive leadership team, the CFO partners closely with the CEO, Board of Directors, OCC, auditors, and shareholders.

Key Responsibilities

Financial Leadership & Strategy

Provide strategic financial leadership aligned with the bank’s mission, growth objectives, and risk appetite
Partner with executive leadership to support strategic initiatives, balance sheet optimization, and long-range planning
Lead annual budgeting, forecasting, and multi-year financial planning processes
Deliver clear, actionable financial analysis supporting loan growth, pricing strategies, and new initiatives

Financial Reporting & Compliance

Oversee all accounting, finance, budgeting, and financial reporting functions
Ensure accurate and timely preparation of:
Monthly and annual financial statements
Call Reports
Board, committee, and regulatory financial reports
Serve as the primary financial contact during OCC examinations and regulatory interactions
Coordinate external audits and ensure timely resolution of findings and recommendations
Ensure finance-related policies, internal controls, and governance frameworks are documented and maintained

Asset/Liability & Capital Management

Lead and actively participate in Asset/Liability Committee (ALCO) meetings
Oversee interest rate risk, liquidity management, and capital planning strategies
Manage stress testing, scenario analysis, and liquidity planning to support safe and sound operations
Oversee investment portfolio performance, funding strategies, and correspondent banking relationships
Assist in management of investment portfolio

Risk Management & Systems

Support enterprise risk management efforts by aligning financial, liquidity, and capital risk frameworks
Oversee financial systems, reporting tools, and process improvements to enhance accuracy, efficiency, and controls
Ensure data integrity and timely availability of financial information for decision-making

Leadership & Talent Development

Lead, mentor, and develop accounting and finance staff, fostering a culture of accountability, collaboration, and continuous improvement
Build bench strength and support succession planning within the finance function
Promote ethical leadership, transparency, and strong internal partnerships across the organization

Qualifications

7+ years of progressive financial leadership experience within community or regional banking, or similarly regulated financial institutions
Bachelor’s degree in Accounting, Finance, or a related field (required)
CPA or equivalent professional certification preferred
Demonstrated experience with:
Bank regulatory examinations (OCC preferred)
Call Report preparation and review
ALCO participation, capital planning, and liquidity management
Financial reporting and audit coordination
Experience working directly with Boards of Directors and executive leadership teams

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Chief Financial Officer