Job Overview

The Enterprise Risk Manager (“ERM”) assists senior management and the Board Enterprise Risk Management and Credit Policy Committee in assessing, identifying, mitigating, and monitoring the corporation’s key risks as a means to protecting the long-term safety and soundness of the Company.  The ERM plans and directs the development of the organization’s risk management program.  Will use critical thinking, problem-solving, and analytical skills to coordinate, improve, and/or lead a wide variety of risk management functions. This includes, but is not limited to, board and committee reporting, management co-liaison to the Board’s Enterprise Risk Management and Credit Policy Committee, lead the management Enterprise Risk Management and Disclosure Committee meetings, liquidity and asset liability oversight, emerging risks including economic outlook and competitive environment. Coordinate with General Counsel the adequacy of company insurance coverage and provide oversight for, model risk management, cybersecurity, and vendor management as well as other duties as assigned by the Board of Directors or Chief Financial Officer.

Principal Accountabilities

Provide oversight on the direction of key company risks and risk mitigation efforts as directed by the Board’s Enterprise Risk Management and Credit Policy Committee. Utilize available tools, including third party reviews, to assist in providing proper oversight of key risks.

Represent the Bank to both internal and external customers in a courteous, professional manner in face-to-face, written and telephone communications. Accountable for adherence to all applicable regulations, including Bank Secrecy Act (BSA), compliance standards, quality of documentation, as well as timeliness and volume of audit activity.  Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank’s commitment to the communities we serve through active involvement in local organizations and events.

Duties

• Provide independent oversight of Horizon’s enterprise risk function for all material risks as identified in the Company’s Risk Appetite Statement.
• Collaborate with other business units to develop risk methodologies and processes for monitoring and measuring Horizon’s material enterprise risks.
• Report quarterly to the Board of Directors Enterprise Risk Management and Credit Policy Committee the direction of material risks, current enterprise risk status and emerging risks.
• Review annually with the full Board of Directors, Horizon’s Risk Appetite Statement, risk metrics, direction of material risks and emerging risks.
• Oversee and report periodically to the Board of Director’s Asset Liability and Operations Committee, Horizon’s annual capital and stress testing plan.
• Consult with Branch Administration & Facilities on physical building security including alarm response, fire/robbery drills, opening procedures, lighting regulations, employee and customer access.
• Communicate with regulatory authorities on Horizon’s compliance with its enterprise risk management program and mitigation of said risks.
• Maintain insurance coverage as required by the Board, Senior Management and regulators and reviews annually with the Board Horizon’s insurance coverages compared with peers.
• Provide oversight of the vendor management function, including risk assessment of vendors and maintenance of required documentation.
• Provide oversight of the activities of the Information Security Director.
• Responsible for ensuring an effective model risk management program is in place.
• Other duties and projects as assigned.

Personnel Management

• Lead recruitment efforts and partner with Human Resources to recruit, hire, retain and develop a talented and diverse workforce.
• Coordinate training for new hires and in conjunction with performance and developmental needs.
• Monitor behavior and results to effectively coach and motivate team members to achieve service and sales goals. 
• Prepare and conduct scheduled performance evaluations. Address and document performance issues.
• Schedule employees, manage time off requests and approve weekly timecards.
• Responsible for building and developing a successful team as well as staff retention. Involve staff in planning, decision-making and process improvement.
• Responsible for encouraging continuous enhancement of subordinates’ knowledge and competencies to foster their successful career advancement.

Qualifications & Skills

• Bachelor’s Degree preferred in business, finance or related field or eight to ten years of related experience, including preparatory experience.
• Ability to anticipate and assess emerging material risks.
• Exceptional organization, time management and follow-up skills.
• Ability to work independently with minimal supervision.
• Good presentation skills, including ability to present differing opinions.
• Strong analytical skills, including a solid understanding of bank financial statements.
• Ability to motivate or influence others.
• Obtain cooperation and agreement on important outcomes.
• Strong knowledge of regulatory agency guidelines and industry standards as they relate to bank loan and deposit accounts.
• Ability to communicate effectively in person, on the phone and in writing.
• Ability to exercise sound and independent judgement.
• Ability to clearly deliver information in a logical and understandable sequence.
• Ability to calmly and professionally deal with varying personalities from diverse cultures at all levels within and outside of the organization.
• Must be able to perform responsibilities with composure under the stress of deadlines, requirements for extreme accuracy and quality and fast pace.
• Ability to effectively handle multiple, simultaneous, and changing priorities.
• Must have proficient typing and computer skills, specifically Microsoft Word and Excel.
• Must exercise the highest level of discretion on both internal and external confidential matters.

Core Competencies

Physical Requirements

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA)