Risk Officer

Description

Green Belt Bank & Trust

JOB DESCRIPTION

Position Title: Risk Officer 

Reports To: Chief Financial Officer (CFO)

Direct Reports: None

Classification: Exempt

Reviewed: 2026

Scope:

The Risk Officer is responsible for overseeing the Bank’s risk and internal audit functions. This role ensures the Bank complies with all applicable regulatory requirements and maintains a strong internal control environment. The position works closely with leadership, regulators, and external auditors to identify, assess, monitor, and mitigate risks across the organization. 

Accountabilities:

The Risk Officer will:

• Facilitate and perform periodic risk and audit review assessments across all departments including, but not limited to:
• Surprise cash counts
• Ag/commercial file reviews (completeness of documentation)
• Retail file reviews (completeness of documentation)
• Maintaining and updating control matrixes and control understandings
• Maintain and track policy changes and updates.
• Vendor Management:
• Perform due diligence on potential and current vendors.
• Maintain all due diligence information and track contract renewal terms.
• Risk rate vendors, reviewing critical vendors annually and retrieving new due diligence information.
• Perform contract review for bank vendors including staff assistance.
• Work with internal auditors to execute the annual internal audit plan based on risk assessment results.
• Work with the ISO to coordinate annual BCP and Disaster recovery training with our 3rd party vendor and applicable staff.  
• Perform operational, financial, compliance, and IT audits across all areas of the Bank.
• Evaluate the adequacy and effectiveness of internal controls.
• Issue audit reports with clear findings, risk ratings, and management recommendations.
• Function as a liaison and coordinator for internal and external audits with third parties (auditors, examiners, and regulators) for timing of audit procedures and documentation.
• Track audit findings, progress of corrective action and complete independent re-audits as deemed necessary.
• Provide regular reporting to senior leadership, Audit Committee, and/or Board of Directors.
• Maintain documentation and audit trails consistent with regulatory expectations.
• Provide assistance with risk control assessments for IT and Compliance.
• Field requests for report generation.
• Ensure compliance with applicable banking regulations. 
• Stay current with regulatory changes and emerging risks affecting community banks.
• Support development and maintenance of policies and procedures related to risk and audit functions.
• Promote a culture of compliance and risk awareness throughout the Bank.,
• Represent the bank professionally and enthusiastically in civic organizations within the community.
• Participate and honorably represent GBB&T in sponsored and volunteer opportunities.
• Perform other duties as requested or assigned.

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Requirements

Qualifications:

 Education:

A-4-year degree or greater in business, finance, or a related field of study.

Additional bank specific schooling recommended.

 Experience:

7+ years banking/management experience 

Experience should reflect financial acumen risk management, internal audit, or regulatory compliance.

Leadership and supervisory experience

 Special Requirements:

Strong verbal and written communication skills

Competencies Critical to Effective Performance are:

Delegation-willingly entrusts work to others.

Financial Acumen-understands the financial framework of the organization.

Initiative-takes action without being prompted.

Integrity-thinks and acts ethically and honestly.

Strategic Thinking-acts with the future in mind

Tech Savvy-uses technology effectively and understands the necessity of leveraging it to stay productive and competitive.

Industry Knowledge-knows the industry and monitors trends to advance the organization.

Team Management-creates and maintains functional work units and understands the human dynamics of team formation and maintenance.

Organizing & Planning-possess strong organizational and planning skills