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# Chief Financial Officer with a Mid-Market Bank – Charlotte, NC


Role Overview for Chief Financial Officer with a Mid-Market Bank – Charlotte, NC
JRG Partners, a premier executive search firm, is proud to partner with a distinguished and rapidly growing mid-market bank in the vibrant financial hub of Charlotte, North Carolina. We are seeking a visionary and strategic Chief Financial Officer (CFO) to join their executive leadership team. This is a pivotal role for a seasoned financial executive with a deep background in the banking industry, offering a unique opportunity to shape the future of a well-respected financial institution.
The successful candidate will be a key architect of the bank’s financial strategy, a trusted advisor to the Chief Executive Officer (CEO) and the Board of Directors, and a leader dedicated to fostering a culture of fiscal integrity, innovation, and sustainable growth.
As the CFO, you will assume full responsibility for the bank’s entire financial ecosystem. This includes overseeing all aspects of financial planning and analysis, accounting, treasury, capital management, investor relations, and regulatory reporting. You will be instrumental in navigating the complexities of the modern banking landscape, from managing interest rate risk and optimizing the balance sheet to identifying opportunities for strategic growth through mergers and acquisitions.
This position demands a leader who can balance rigorous analytical thinking with a forward-looking perspective, ensuring the bank not only meets its current financial objectives but is also well-positioned for long-term success and shareholder value creation. You will lead a talented team of finance and accounting professionals, mentoring them to achieve excellence and driving the continuous improvement of financial processes and systems. This is more than a job; it is a chance to leave a lasting legacy on a thriving institution at the heart of one of America’s most dynamic banking centers.
Key Responsibilities of Chief Financial Officer with a Mid-Market Bank – Charlotte, NC
The Chief Financial Officer will direct and oversee all financial activities of the bank, ensuring the highest standards of fiscal management and regulatory compliance. Key responsibilities are comprehensive and include:
Strategic Financial Leadership & Planning
Collaborate with the CEO and executive team to develop and execute the bank’s long-range strategic plans. Provide critical financial insights, risk assessments, and recommendations on all major business decisions, including new market entry, product development, and major capital investments.
Financial Planning & Analysis (FP&A)
Lead the annual budgeting and periodic forecasting processes. Develop and maintain robust financial models to support strategic decision-making. Provide detailed variance analysis and performance reporting to the Board and executive management, highlighting key trends, risks, and opportunities.
Accounting & Financial Reporting
Oversee all accounting operations, including the general ledger, accounts payable, and payroll. Ensure the timely and accurate preparation of all internal and external financial reports in strict accordance with Generally Accepted Accounting Principles (GAAP). Manage the month-end and year-end closing processes and coordinate the annual external audit.
Regulatory Compliance & Reporting
Serve as the primary liaison with federal and state banking regulators. Ensure the accurate and timely filing of all regulatory reports, including Call Reports, Y-9C filings, and other disclosures. Maintain a profound understanding of banking regulations set forth by bodies such as the Federal Deposit Insurance Corporation (FDIC), the Office of the Comptroller of the Currency (OCC), and the Federal Reserve.
Treasury & Asset/Liability Management (ALM)
Chair the Asset/Liability Committee (ALCO). Oversee the management of the bank’s balance sheet, including liquidity risk, interest rate risk, and the investment portfolio. Develop and implement effective strategies for managing funding, cash flow, and capital adequacy.
Capital Management & Strategy
Develop and execute a comprehensive capital plan that supports the bank’s strategic objectives and meets all regulatory requirements. Evaluate and recommend capital allocation strategies to optimize return on equity and enhance shareholder value.
Investor Relations
In partnership with the CEO, develop and maintain strong relationships with investors, analysts, and other key stakeholders. Prepare presentations, press releases, and other communications to effectively convey the bank’s financial performance and strategic direction.
Mergers & Acquisitions (M&A)
Lead the financial due diligence process for potential M&A targets. Develop sophisticated valuation models, assess financial risks and synergies, and play a key role in structuring and negotiating transactions.
Risk Management & Internal Controls
Partner with the Chief Risk Officer to identify, assess, and mitigate financial risks across the organization. Ensure the design and operating effectiveness of a robust internal control environment to safeguard company assets and ensure the integrity of financial reporting.
Leadership & Team Development
Provide strong leadership and mentorship to the finance and accounting teams. Foster a collaborative, high-performance culture that encourages professional growth and continuous learning. Attract, develop, and retain top-tier financial talent.
Requirements for the Chief Financial Officer with a Mid-Market Bank – Charlotte, NC
The ideal candidate will be a results-oriented leader with an impeccable record of financial management within the banking sector. Specific qualifications include:
Educational Background
A Bachelor’s degree in Finance, Accounting, Economics, or a related field is required. A Master of Business Administration (MBA) and/or a Certified Public Accountant (CPA) designation is strongly preferred.
Professional Experience
A minimum of 15 years of progressive leadership experience in finance and accounting, with at least 7-10 years in a senior management role (e.g., CFO, Deputy CFO, Controller) within a commercial bank. Specific experience in a mid-market bank with assets between $1 billion and $10 billion is highly desirable.
Technical Expertise
Extensive knowledge of bank accounting (GAAP), financial reporting, and SEC regulations (if applicable). Deep expertise in Asset/Liability Management (ALM), treasury functions, liquidity management, and investment portfolio strategy. Proven experience managing relationships with banking regulators.
Strategic Acumen
Demonstrated ability to think strategically and translate complex financial concepts into actionable business strategies. Experience in M&A, including due diligence, valuation, and integration, is a significant asset.
Leadership Qualities
Exceptional leadership and team-building skills with a proven ability to motivate and develop staff. Must possess outstanding communication and presentation skills, with the ability to articulate financial results and strategy clearly and concisely to the Board of Directors, investors, and employees.
Personal Attributes
Unquestionable integrity, credibility, and ethical character. A strong analytical mind, meticulous attention to detail, and the ability to thrive in a fast-paced, dynamic environment. A collaborative and hands-on management style.
Benefits & Perks Offered
Our client is committed to attracting and retaining top executive talent by offering a highly competitive and comprehensive compensation and benefits package. This includes:
Executive Compensation
A highly competitive base salary commensurate with experience and market standards.
Incentive Programs
A lucrative short-term incentive plan (annual cash bonus) tied to individual and company performance, as well as a long-term incentive plan (LTIP) with equity participation to align your success with the bank’s growth.
Comprehensive Health & Wellness
Premium medical, dental, and vision insurance plans for you and your eligible dependents, with significant employer contributions.
Retirement Savings
A robust 401(k) retirement plan featuring a generous company match to help you build a secure financial future.
Paid Time Off
An executive-level paid time off (PTO) package, including vacation, sick days, and paid company holidays, to support a healthy work-life balance.
Relocation Support
A comprehensive relocation assistance package is available for the ideal candidate moving to the Charlotte area.
Professional Development
A commitment to your ongoing growth with support for continuing education, professional certifications, and industry conference attendance.
Additional Benefits
Company-paid life insurance, short-term and long-term disability insurance, and access to other executive-level perquisites.
How to Apply
If you are a visionary financial leader with a passion for banking and the qualifications to drive our client’s success, we encourage you to apply for this exceptional opportunity. This executive search is being managed exclusively by JRG Partners. To be considered, please submit your confidential resume and a compelling cover letter outlining your suitability for the role. We are looking for a leader who is ready to make a significant and lasting impact. Join us in shaping the future of banking in Charlotte.
Please direct all applications and inquiries to the JRG Partners’ Financial Services Executive Search team. We thank all applicants for their interest; however, only those candidates selected for an interview will be contacted.