Strategic CFO for Growth & Financial Excellence

Heritage Federal Credit Union, LLC; Indiana; Hybrid; USD 180,000 - 350,000; Full time

Job summary

Heritage Federal Credit Union is seeking a strategic Chief Financial Officer to join our executive team. The CFO will oversee accounting, finance, treasury, investments, budgeting, forecasting, ALM, liquidity, and financial reporting to support growth and member service.

You will partner with the CEO and Board, lead risk management, ensure GAAP compliance, and drive data-driven decisions while guiding vendor contracts and regulatory relationships.

Qualifications

• Bachelor's degree in Accounting, Finance, or related field required.
• Master's degree and CPA preferred.
• Minimum 12-18 years of progressive leadership experience in banking or credit union.

Responsibilities

• Develop and execute financial strategies to support organizational goals, growth initiatives, and long-term financial performance.
• Serve as a trusted advisor to the CEO, executive leadership team, and Board of Directors on financial strategy, performance, and risk management.
• Participate in executive committees and lead financial analysis to support strategic decision-making, investments, and business expansion.
• Maintain a three-year Accounting & Finance roadmap encompassing projects, systems, and key initiatives.
• Oversee all accounting, financial reporting, financial systems, and data integrity functions, ensuring compliance with GAAP and regulatory requirements.
• Provide accurate financial statements, regulatory reporting, executive dashboards, and actionable performance insights.
• Lead budgeting, forecasting, financial planning, profitability analysis, and operational efficiency initiatives.
• Direct treasury, liquidity, capital, investment, borrowing, and asset-liability management (ALM) strategies to optimize financial performance and manage risk.
• Ensure appropriate liquidity management, contingency funding readiness, and compliance with NCUA, GAAP, and other applicable regulations.
• Serve as the primary liaison with regulators, auditors, and external financial partners.
• Oversee enterprise financial risk management, including interest rate, credit, and liquidity risk.
• Present financial results, forecasts, and strategic recommendations to the Board of Directors.
• Support development of financial products, services, and business lines, and negotiate key vendor contracts to protect the credit union's financial interests.

Skills

GAAP expertise

ALM & treasury management

Budgeting & forecasting

Regulatory compliance & risk

Leadership & strategic communication

Financial data analysis

Education

Bachelor's degree in Accounting or Finance

Master's degree and CPA preferred

Job description

Description

Heritage Federal Credit Union, recognized by American Banker as one of the Best Credit Unions to Work For, is growing thanks to our focus on helping our members and community. At Heritage, we foster a dynamic and collaborative environment where your contributions truly make a difference. We are searching for a Chief Financial Officer to join our amazing team!

Heritage Federal Credit Union is seeking a strategic and collaborative Chief Financial Officer (CFO) to join our executive leadership team. The CFO provides leadership and oversight of the credit union's accounting, finance, treasury, investments, budgeting, forecasting, asset-liability management, liquidity, and financial reporting functions while helping drive the organization's long-term strategic success.

What you’ll do:

• Develop and execute financial strategies that support organizational goals, growth initiatives, and long-term financial performance.
• Serve as a trusted advisor to the CEO, executive leadership team, and Board of Directors on financial strategy, performance, and risk management.
• Participate in executive committees and lead financial analysis to support strategic decision-making, investments, and business expansion.
• Maintain a three-year Accounting & Finance roadmap encompassing projects, systems, and key initiatives.
• Oversee all accounting, financial reporting, financial systems, and data integrity functions, ensuring compliance with GAAP and regulatory requirements.
• Provide accurate financial statements, regulatory reporting, executive dashboards, and actionable performance insights.
• Lead budgeting, forecasting, financial planning, profitability analysis, and operational efficiency initiatives.
• Direct treasury, liquidity, capital, investment, borrowing, and asset-liability management (ALM) strategies to optimize financial performance and manage risk.
• Ensure appropriate liquidity management, contingency funding readiness, and compliance with NCUA, GAAP, and other applicable regulations.
• Serve as the primary liaison with regulators, auditors, and external financial partners.
• Oversee enterprise financial risk management, including interest rate, credit, and liquidity risk.
• Present financial results, forecasts, and strategic recommendations to the Board of Directors.
• Support development of financial products, services, and business lines, and negotiate key vendor contracts to protect the credit union's financial interests.

Education

• Bachelor's degree in Accounting, Finance, or a related field required.
• Master's degree and CPA preferred.

Experience

• Minimum 12-18 years of progressive leadership experience in the banking or credit union industry.
• Executive-level experience leading accounting, finance, treasury, and enterprise financial strategy.

Skills

• Financial reporting and GAAP expertise
• Asset-liability management (ALM) and treasury management
• Budgeting, forecasting, and strategic planning
• Regulatory compliance and financial risk management
• Strong leadership, communication, and presentation skills
• Ability to analyze complex financial data and drive organizational results

About Heritage Federal Credit Union

Heritage Federal Credit Union is a full-service financial institution with over $1 billion in assets and serves more than 65,000+ members in Gibson, Posey, Warrick, Vanderburgh, Daviess, Knox, Spencer, Pike, Perry, Crawford, Clark, Floyd, or Harrison Counties in Indiana; or Henderson, Daviess, Hopkins, Hancock, Ohio, McLean, Webster, Union, or Crittenden Counties in Kentucky; or Lawrence, Wabash, White, Gallatin or Hardin Counties in Illinois. As a nonprofit, credit unions provide low-cost financial services to their members and are mission driven. Founded in 1965, Heritage Federal is committed to improving daily lives of those we live and work with, providing members the best financial products and services, and giving back to the local communities through donations, sponsorships, and volunteerism. More information regarding Heritage Federal Credit Union can be located at heritagefederal.org.

EOE