Chief Financial Officer / VP Of Finance

THE EMPLOYER: Century Credit Union is a member-owned, not-for-profit financial institution headquartered in St. Louis, Missouri, with a more than 70-year history of serving individuals, families and communities throughout the St. Louis region. With approximately $184 million in assets, Century is a financially strong and well-capitalized credit union focused on delivering personalized financial solutions, competitive products and exceptional member service. The organization combines the relationship-driven approach of a community financial institution with modern banking and digital capabilities, offering consumer, mortgage and other lending products, savings and investment services, online and mobile banking, and financial education. As Century enters its next phase of growth, the organization is focused on expanding its member relationships, strengthening its lending capabilities, investing in technology and innovation, and continuing to deliver meaningful value to its members while maintaining its strong community-focused culture.

Position Summary: Century is seeking an experienced, strategic and financially astute Chief Financial Officer / Vice President of Finance to lead the organization's financial strategy, planning, reporting and stewardship. Reporting to the President & Chief Executive Officer, the CFO / VP of Finance will provide executive leadership for accounting, financial planning and analysis, budgeting, treasury and liquidity management, financial reporting, and balance-sheet oversight. The position will help ensure Century's financial strength, regulatory compliance and long-term sustainability while supporting the credit union's strategic objectives and commitment to serving its members and the St. Louis community.

The successful candidate will combine strong financial and analytical expertise with sound judgment, operational discipline and a genuine commitment to the credit union philosophy. This leader will be expected to translate financial information into actionable insight, strengthen financial controls and reporting, evaluate business opportunities, manage financial risks, develop talent and serve as a strategic thought partner to the CEO and Board of Directors.

This is an opportunity for a collaborative finance executive to help shape the next phase of growth for a well-established, financially strong community credit union.

KEY RESPONSIBILITIES:

Financial Strategy & Planning

• Develop and execute a financial strategy that supports Century Credit Union's strategic plan, financial strength, sustainable growth and member-service objectives.
• Lead annual budgeting, forecasting, long-range financial planning and scenario analysis in partnership with the CEO and executive leadership team.
• Build repeatable planning processes and financial models that improve forecast accuracy, scenario planning and management's ability to anticipate changing business conditions.
• Translate financial results, trends and projections into clear insights and recommendations for executive leadership and the Board of Directors.
• Present complex financial information in clear, practical terms, translating results and trends into useful guidance for management and the Board of Directors.
• Evaluate the financial implications of strategic initiatives, product offerings, technology investments, staffing and operational changes.
• Establish meaningful financial goals, performance measures and reporting that support informed decision-making and accountability.
• Identify opportunities to improve operating efficiency, manage expenses and strengthen financial performance without compromising member value or service

Accounting, Reporting & Financial Controls

• Oversee accounting operations, the general ledger, financial close, reconciliations and the preparation of accurate and timely financial statements.
• Establish a disciplined month-end close process, including close calendars, reconciliations, review procedures and timely resolution of variances.
• Ensure financial reporting is reliable, consistent and aligned with applicable accounting standards, regulatory requirements and internal policies.
• Oversee preparation, validation and timely submission of NCUA Call Reports and other required regulatory financial reports.
• Maintain strong working knowledge of U.S. GAAP, including the Current Expected Credit Losses (CECL) methodology, and ensure appropriate application, documentation and reporting.
• Maintain effective internal controls, financial policies, procedures and approval authorities to safeguard the credit union's assets.
• Oversee preparation and review of regulatory reports, including applicable NCUA and state reporting requirements.
• Coordinate annual audits, external examinations, tax filings and other financial reviews, working with external auditors and regulatory partners.
• Maintain ongoing audit and examination readiness through accurate records, sound documentation, clear ownership of findings and timely corrective-action follow-through.
• Identify and address control gaps, reporting inefficiencies and opportunities to strengthen financial processes and documentation.
• Provide clear, timely financial information to the CEO, senior leadership and Board of Directors.

Treasury, Liquidity & Balance-Sheet Management

• Oversee cash and liquidity management to ensure Century maintains appropriate funding, liquidity and operational flexibility.
• Maintain effective asset-liability management (ALM) processes, including analysis of interest-rate risk, liquidity, funding needs and balance-sheet scenarios, and communicate implications to executive leadership and the Board.
• Monitor balance-sheet trends, asset-liability positioning, interest-rate risk, capital adequacy and other key financial indicators.
• Partner with the CEO and relevant leaders to evaluate deposit trends, funding strategies, investment activities and balance-sheet performance.
• Support the development and monitoring of financial risk limits, contingency plans and stress-testing practices as appropriate.
• Provide financial analysis and recommendations regarding capital planning, earnings performance and the impact of changing economic conditions.
• Own the preparation, analysis and follow-through for ALCO; develop recommendations on liquidity, funding, investments, capital and interest-rate risk; and monitor approved limits and escalate exceptions within established CEO and Board approval authorities.

Risk Management & Regulatory Compliance

• Ensure finance practices and reporting comply with applicable federal and state laws, NCUA regulations, accounting standards and credit union policies.
• Work closely with the CEO, compliance, risk management, internal audit and external advisors to identify and address financial and operational risks.
• Monitor key financial risks, including liquidity, interest-rate, capital, concentration and operational risks, and communicate emerging issues promptly.
• Maintain appropriate financial risk monitoring, documentation, reporting and escalation processes.
• Promote a culture of sound financial stewardship, transparency, ethical conduct and regulatory compliance.

Business Insight, Data & Operational Improvement

• Develop and maintain financial dashboards and management reports that connect financial results to business performance and strategic priorities.
• Analyze trends in revenue, expenses, net interest margin, loan and deposit growth, operating efficiency and other relevant performance measures.
• Partner with Lending, Member Services, Operations, Technology and other functions to assess business performance and improve resource allocation.
• Partnering with Lending on loan pricing and evaluating deposit pricing and product profitability.
• Evaluate finance systems, reporting tools, data quality and automation opportunities to improve accuracy, timeliness and efficiency.
• Strengthen the use of data and financial analysis in organizational planning, performance management and decision-making.
• Support business cases and financial assessments for new products, services, partnerships and technology investments.

Leadership & Organizational Development

• Lead, coach and develop a high-performing finance team with clear goals, accountability and opportunities for professional growth.
• Build scalable finance processes, standard operating procedures and role clarity that strengthen consistency, accountability and the function's readiness for Century's next stage of growth.
• Establish consistent financial procedures, service expectations, performance measures and continuous-improvement practices.
• Promote collaboration and constructive financial partnership across the organization, helping leaders understand and act on financial information.
• Identify talent needs and develop succession and development plans for key finance positions.
• Serve as a visible and engaged member of Century's senior leadership team and support Board financial education and discussion.
• Combine executive-level judgment with hands-on problem solving; build practical processes, coach staff, document key knowledge and develop reliable backup coverage as the function grows.
• Embed leadership principles that reflect Century’s four core values: Trust, Community, Excellence, and Empathy, while modeling integrity, accountability, collaboration and member-focused leadership.

QUALIFICATIONS:

Minimum Qualifications

• Bachelor's degree in finance, accounting, business administration or a related field; CPA, MBA or other advanced qualification preferred.
• 10+ years of progressive finance, accounting or financial management experience within a credit union, community bank or similar financial institution.
• 5+ years of leadership experience overseeing finance, accounting or related financial functions, preferably at the VP, CFO or comparable level.
• Demonstrated experience with financial reporting, budgeting, forecasting, financial analysis and internal controls.
• Demonstrated experience with month-end close, U.S. GAAP, CECL, regulatory reporting experience, budgeting and forecasting, ALM, liquidity management, internal controls, and audit/examination preparation.
• Strong knowledge of financial institution accounting, regulatory reporting, liquidity management and balance-sheet fundamentals.
• Experience preparing and presenting financial information to executive leadership and a Board of Directors.
• Demonstrated ability to use financial data, systems and analytics to improve organizational performance.
• Strong analytical, problem-solving and decision-making skills, with the ability to communicate complex financial information clearly.
• Excellent verbal, written and interpersonal communication skills.

Preferred Qualifications

• Previous experience as a Chief Financial Officer, SVP/VP of Finance, Controller or comparable senior finance executive.
• Credit union experience strongly preferred; experience with a community-focused financial institution is an advantage.
• CPA designation and/or MBA.
• Experience with asset-liability management, liquidity planning, interest-rate risk analysis and capital planning.
• Experience supporting NCUA examinations, external audits, regulatory reporting and financial risk management.
• Experience improving finance systems, reporting automation, data integrity and management dashboards.
• Experience partnering with a CEO, executive team and Board of Directors on strategy and financial decision-making.
• Strong financial-institution reporting experience as required, with credit-union/NCUA experience strongly preferred.

WORKENVIRONMENT: Combination of office and branch environments. Occasional evening, weekend, and on-call availability may be required to support business operations, member needs, critical financial activities, and time-sensitive situations. Occasional travel to branches, conferences, or industry events may be required.