Job Summary

The Chief Financial Officer (“CFO”) is the senior executive responsible for financial strategy, capital structure, risk oversight, and enterprise financial performance of the Farmers and Merchants Trust Company and its parent holding company, Queen City Investments Inc., and all subsidiaries. The CFO servs as a principal advisor to the President, Chief Operating Officer, and the Board of Directors on all financial, capital, investment, and economic matters. The CFO has the ultimate accountability for the enterprise financial leadership, including capital planning, liquidity management, portfolio performance, investment governance, regulatory financial condition, and long-rang financial strategy across all business verticals.

Essential Duties

Enterprise Financial Strategy & Capital Leadership

Develop and execute the company-wide financial strategy aligned with the Board’s long-term objectives.
Design and oversee the capital structure of the holding company and subsidiaries, including debt, equity, intercompany funding, and distributions.
Lead enterprise liquidity planning, treasury strategy, and cash deployment across operating companies and investments.
Oversee financing activities including credit facilities, real estate debt, acquisition leverage, ranch operating lines, and investment capitalization.

Financial Reports and Tax Management

Point of contact between all companies and third-party financial auditors.
Report to Executive Management and Board of Directors on financial audits and present report.
Complete the quarterly Call Reports for Farmers and Merchants Trust Company to regulatory agencies.
Supervise all movement of funds between companies, including capital calls, distributions, dividend payment to shareholders, etc.
Calculate the estimated quarterly payments to the IRS.
Verify and manage the payment of estimated quarterly tax payments to the IRS.
Verify wires sent from the companies.
Prepare financial reports for HNW clients, as needed.

Portfolio & Investment Oversight

Provide senior financial leadership on:

- Real estate acquisitions, dispositions, and portfolio optimization.
- Private equity investments, valuations, and exits.
- Trust company profitability, margin management, and growth economics.
- Ranch and operating business expansion, land strategy, and capital investments.

Establish and enforce investment underwriting standards, hurdle rates, and financial approval frameworks.
Support Executive Committee financial review, including modeling, risk assessment, and capital allocation recommendations.
Manage shares buyback initiatives for Queen City Investments Inc.

Strategic Planning & Performance Management

Lead the annual budget, multi-year strategic plan, and long-range financial forecasting for the consolidated enterprise.
Establish financial performance frameworks and KPIs by vertical (e.g., NOI, IRR, ROIC, trust margins, EBITDA, cash yield).
Oversee enterprise-level scenario modeling, stress testing, and portfolio optimization.
Partner with operating leadership to translate business strategy into financial targets, incentives, and accountability systems.

Risk, Governance & Regulatory Financial Oversight

Provide executive oversight of financial risk management, including capital adequacy, insurance, bonding, liquidity, and structural risk.
Serve as senior financial executive in matters relating to:
Trust company financial condition and regulator-facing financial matters.
External auditors, tax advisors, lenders, and regulators.
Enterprise financial controls and governance standards.
Oversee tax strategy, entity structuring, and intercompany financial architecture.
Responsible for quarterly call reports on behalf of FMTC.

Board, Investor & Executive Responsibilities

Prepare and present board-level financial reporting, strategic financial memos, and capital recommendations.
Lead banking, financing, and investor relationships.
Support Board and Compensation Committee on executive compensation economics, incentive design, and long-term financial planning.
Provide financial leadership in major negotiations, acquisitions, and strategic transactions.

Leadership & Organization Development

Build and lead a high-performing finance organization, including Controller, FMTC Financial Operations Department, and portfolio finance functions.
Establish a scalable financial infrastructure supporting growth across multiple asset classes and regulated entities.
Promote a culture of financial discipline, transparency, and risk awareness.

Complies with all State and Federal Banking regulatory requirements, including but not limited to: BSA, Anti-Money Laundering OFAC, CIP, Financial Elder Abuse Reporting, Sexual Harassment, Information Security, and privacy requirements. Acts as the control point for the office to ensure that all CIP, BSA, OFAC requirements, procedures and time frames are met.

Required Knowledge

Successful track record in implementing a real estate investments strategy, including managing a team that performed analysis, strategic planning, and execution of an institutional investment policy.
Proficient knowledge of land development.
Proficient knowledge on private equity investments.
Proficient knowledge, or willingness to learn about the compliance and regulatory requirements of running a Trust Company.
Proficient knowledge, or willingness to learn about banking regulations O and W.

Experience with regulated financial institutions, real estate, private equity, or complex operating businesses strongly preferred.

Equipment Operated

Lap/desk top computers.
Standard Office Equipment (copiers, fax machines, etc.)

Physical Requirements & Work Environment

Requires repetitive movement.
Requires sitting for prolonged periods of time.
Requires lifting to 25lbs.
Requires using hands to manage, control or feel objects.
Office setting w/controlled temperature.

Education and Experience

Successful track record in implementing a real estate investments strategy, including managing a team that performed analysis, strategic planning, and execution of an institutional investment policy.
Proficient knowledge of land development.
Proficient knowledge on private equity investments.
Proficient knowledge, or willingness to learn about the compliance and regulatory requirements of running a Trust Company.
Proficient knowledge, or willingness to learn about banking regulations O and W.

Experience with regulated financial institutions, real estate, private equity, or complex operating businesses strongly preferred.

This job description is not intended to be all-inclusive, and employees will be required to perform additional related work duties as assigned by their immediate supervisor and/or management.

Farmers and Merchants Trust Company reserves the right to revise or change job duties and responsibilities as the need arises. This job description does not constitute a written or implied contract of employment.

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