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Bank Chief Risk Officer Jobs in Texas (NOW HIRING)

American National Bank

Chief Risk Officer

Terrell, TX · On-site

$150 - $200/hr

The Chief Risk Officer will have responsibility for the overall direction of risk management ... Knowledge of banking industry risk rating methodology and lending policies/practices * Strong ...

Frost Bank

Business Risk Officer

San Antonio, TX · On-site

In joining our adaptable, integrity-driven team, you'll become part of Frost's 155-year legacy of providing unparalleled banking services. Who you are: As a Business Risk Officer, you are our risk ...

Home Bank

Treasury Management Officer

Tomball, TX · On-site

Risk & Compliance: * Ensure adherence to all banking regulations, policies, and procedures. * Partner with the Chief Risk Officer and compliance teams to proactively manage operational, credit, and ...

Frost Bank

Business Risk Officer

San Antonio, TX

In joining our adaptable, integrity-driven team, you'll become part of Frost's 155-year legacy of providing unparalleled banking services. Who you are: As a Business Risk Officer, you are our risk ...

Frost Bank

Senior Credit Risk Officer

Dallas, TX · On-site

If so, being a Senior Credit Risk Officer with Frost could be for you. At Frost, it's about more ... Review and approve credit requests, modifications, amendments and waivers for commercial banking ...

Frost Bank

Senior Credit Risk Officer

Dallas, TX

If so, being a Senior Credit Risk Officer with Frost could be for you. At Frost, it's about more ... Review and approve credit requests, modifications, amendments and waivers for commercial banking ...

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Bank Chief Risk Officer information

See Texas salary details

$92.2K

$178.7K

$357.8K

How much do bank chief risk officer jobs pay per year?

As of Jul 26, 2026, the average yearly pay for bank chief risk officer in Texas is $178,657.00, according to ZipRecruiter salary data. Most workers in this role earn between $157,000.00 and $177,500.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive in the Bank Chief Risk Officer position, and why are they important?

To thrive as a Bank Chief Risk Officer, you need an in-depth understanding of risk management, banking regulations, financial analysis, and typically a degree in finance or a related field, often supplemented by years of industry experience. Familiarity with risk assessment tools, regulatory compliance systems, and professional certifications such as FRM (Financial Risk Manager) or CFA is highly desirable. Exceptional leadership, strategic thinking, and the ability to communicate complex information clearly are key soft skills for this role. These competencies enable the effective identification, mitigation, and communication of risks, which are critical to protecting the bank’s assets and reputation.

What are the typical challenges faced by a Bank Chief Risk Officer?

A Bank Chief Risk Officer regularly faces challenges such as balancing regulatory compliance with business growth, keeping up with evolving financial risks, and navigating complex global regulations. The role often involves making critical decisions rapidly in high-pressure situations and ensuring alignment of risk management practices across multiple departments. Additionally, CROs are tasked with fostering a strong risk culture within the organization and communicating effectively with both executives and regulators. Overcoming these challenges requires a mix of technical expertise, strong leadership, and effective cross-functional collaboration.

What does a Bank Chief Risk Officer do?

A Bank Chief Risk Officer (CRO) is responsible for identifying, assessing, and mitigating risks that could impact a bank's financial stability and regulatory compliance. They develop risk management strategies, oversee risk assessment frameworks, and ensure the bank adheres to legal and regulatory requirements. The CRO works closely with executives and board members to establish risk policies and monitor emerging threats. Their role is crucial in safeguarding the bank against financial, operational, and reputational risks.

What are popular job titles related to Bank Chief Risk Officer jobs in Texas? For Bank Chief Risk Officer jobs in Texas, the most frequently searched job titles are:
What job categories do people searching Bank Chief Risk Officer jobs in Texas look for? The top searched job categories for Bank Chief Risk Officer jobs in Texas are:
What cities in Texas are hiring for Bank Chief Risk Officer jobs? Cities in Texas with the most Bank Chief Risk Officer job openings:
Bank Chief Risk Officer jobs near you
Infographic showing various Bank Chief Risk Officer job openings in Texas as of July 2026, with employment types broken down into 86% Full Time, 13% Part Time, and 1% Contract. Highlights an 93% Physical, 4% Hybrid, and 3% Remote job distribution, with an average salary of $178,657 per year, or $85.9 per hour.
Chief Risk Officer

Chief Risk Officer

American National Bank of Texas

Terrell, TX • On-site

Full-time

Posted 11 days ago

Job description

The Chief Risk Officer will have responsibility for the overall direction of risk management function. In addition to the risk functions related to traded and underwritten products, this individual may also be supersensible for loan products. In conjunction with senior management and/or a Risk Management Committee, the individual formulates the organization's risk management policies. Directs staff in establishing risk management procedures and standards; developing risk management analysis reports; developing approval procedures and guidelines on risk limits by type of product and/or transaction; and in establishing management and administrative procedures to ensure adherence to policies. Responsible for coordination of the origination's risk management policies. Provides counsel to business unit managers on risk management issues. Involved in evaluating new products and trading/hedging strategies for their impact on the firm's risk profile. Individual typically serves on (or chairs) a Risk Management Committee with other members of senior management. Acts as the firm's liaison with external regulatory or legal bodies on risk management issues.
  • Creates and protects shareholder value while continuously improving risk intelligence and visibility for the organization through the development and implementation of an Enterprise Risk Management (ERM) framework. The objective of the ERM framework is to provide the organization with the information needed to make strategic business decisions with the goal of optimization of risk, controls, and return within risk tolerance ranges of the Board and Executive Management. The ERM methodology must effectively align the risk management culture with the strategic plans of the organization while creating risk management ownership in the process owners throughout the organization
  • Chairs Risk Committee and is responsible for participation in strategic planning activities while providing management oversight to ensure and enhance organizational compliance with all applicable laws and regulations; evaluates and recommends improvement to the organizations' risk management and loss prevention programs
  • Serves as part of senior management and provides risk assessment in the development of long-range business planning and strategy; coordinates the development or revisions of policies, procedures, contracts, and agreements and provides for the review and approval of same initiated by other departments or functional areas to ensure regulatory compliance and support of overall business needs; communicates changes to impacted areas of the organization
  • Serves as an active member of the Executive Audit Committee; oversees the Audit and Compliance functions of the entire organization ensuring effective risk assessments are formulated and implemented to drive strategic plans, provides critical audit and compliance support to the organization in order to effectively evaluate the overall risk and benefit of current and future products and processes; ensures that risk is managed according to ANB's risk tolerances through regular audit and compliance reviews; ensures periodic reports to the Executive Audit and Compliance Committee, Board, CEO and other management as appropriate
  • Serves as regulatory liaison and works with the various regulatory agents for assigned areas of the bank to ensure efficient and effective communication and coordination; cooperates with general counsel as requested on matters involving questions regarding the organization's compliance with applicable laws and regulations
  • Assesses various rules, business processes, customer impacts, revenue impacts and risk exposure and presents business recommendations for developing, implementing and successfully integrating regulatory needs with overall business needs
  • Directs and controls lending processes to ensure loan policy and procedures are understood and implemented that will lend to efficiencies while maintaining a high-quality loan portfolio; assures processes are in place so that loans are properly documented and conform to regulatory requirements; formulates and reviews lending policies and procedures and presents recommendations to Board of Directors for approval
  • Assesses the reliability of overall risk management practices and the soundness of the loan portfolio, ensures allocation reserves adequately address portfolio risk, provides oversight for the disposition of bank problem assets
  • Builds and leads the appropriate team to accomplish the goals of the organization

Qualifications:
  • Bachelor's degree in business administration, finance, or accounting; Master's degree preferred
  • Demonstrated, progressive responsibility within a large community, regional or national financial institution within applicable risk domains
  • Successful managerial experience, including the recruitment, development, and retention of a high performing team
  • Experience planning, organizing and executing a risk program that measures, evaluates and identifies needed enhancements, policies procedures and controls to protect assets, prevent fraud, ensure regulatory compliance and maximize operational efficiencies and profitability
  • Knowledge of banking industry risk rating methodology and lending policies/practices
  • Strong working knowledge of bank related audit and compliance regulations, technology, processes and procedures
  • Ability to thoroughly analyze and make recommendations for complex credits and/or credit relationships on an independent basis
  • Highly proficient in all aspects of loan structuring with ability to underwrite and oversee underwriting of complex eight figure commercial, industrial, real estate and construction loans
  • Understanding of residential and land development construction lending, supervision and inspection process of construction loans
  • Possesses a combination of skill sets encompassing disciplines of risk management, lending credit quality and administration, finance, accounting, compliance, and strategic management
  • Ability to provide immediate contributions to the Bank's plan to grow and diversify its asset base and future business; strong verbal and written communication, customer service, organizational, time management, and multi-tasking skills

Skills:
  • Advanced knowledge of Microsoft Excel, PowerPoint and MS Word; basic keyboarding and calculator skills; must be able to do complex math and carry out complex written instructions
  • Travel to a variety of locations to perform work and/or attend meetings as required
  • Work occasionally requires more than 40 hours per week to perform the essential functions of the job
  • Lifting in an office setting may be required up to 30lbs.

ANBTX strongly encourages candidates that are fluent in English and Spanish to apply. Jobs that specifically require candidates to be bilingual will be posted as a requirement.
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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