Trust & Wealth Advisor

Position Title: Trust & Wealth Advisor
Department: Wealth Management
Classification: Exempt
Reports To: Director of Wealth Management
Positions Supervised: None

Opportunity

Trust & Wealth Advisors are responsible for attracting wealthy, affluent and professional customers to Citizens Bank & Trust.  They also work to bring in new customers who are considered “centers of influence” in the community.  Bankers often meet their clients outside of the bank at a time and place convenient to the clients and strive to give exemplary service in their market segment.

Trust & Wealth Advisors often coordinate guidance of their clients’ financial affairs with other trusted advisors, such as attorneys, accountants and insurance agents.  In addition, they are often the primary contact in the relationship that their clients have with other Citizens Bank & Trust team members (commercial lenders, trust advisors, etc.).   Therefore, the private bankers are continually reaching out to centers of influence within the community and within our own company, so that the bankers will be well-known and highly regarded by other advising professionals. 

Trust & Wealth Advisors have production goals for new business into the bank, including deposits, loans, and investment management services.

Key Responsibilities

• Outside calling efforts on wealthy, affluent and professional customer prospects
• Coordinate the client’s entire banking and investment relationship with other bank associates
• Gather all documentation needed to process loan applications, and open deposit and investment accounts
• Discuss and analyze various loan strategies, and take loan applications
• Recognize investment, financial planning and estate planning opportunities for referral to other bank associates
• Attend community events, sometimes after hours, to develop connectivity with key centers of influence and potential new clients
• Work with all other lines of business in the bank, to meet the needs of your customer.

Education &/or Experience

• High school diploma or GED (General Education Degree) required
• Bachelor’s degree in finance or accounting preferred
• Extensive banking experience required
• Investment Advisory (Series 7 license) or Trust Department experience preferred
• General knowledge of the marketable securities industry
• Business development experience required
• Community involvement preferred

Other Skills/Qualifications

• Knowledge of Microsoft Outlook, Word and Excel
• Be familiar with federal bank regulations, as well as compliance requirements as it pertains to investment management
• Thorough knowledge of lending and deposit policies and procedures, including strong lending knowledge
• Strong knowledge of personal finance management, especially as it pertains to wealthy individuals
• Excellent customer service skills
• Requires the ability to multi-task and make sound decisions quickly
• Good phone etiquette, as well as good overall business and social etiquette

Physical Demands

While performing the duties of this job, the employee is regularly required to stand and walk, and their hands to type on a computer, carry documents, and have ability to talk clearly and hear conversations which may take place in noisy locations, such as restaurants or other social settings.  The employee is frequently required to walk and reach with hands and arms.  This employee is also required to sit at a personal computer for extended periods of time.  He/she is occasionally required to climb or balance, stoop, kneel, crouch or crawl.  The employee must also be able to lift and move up to 25 pounds.  The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Work Environment

This is an exempt position and is not eligible for overtime pay. The standard schedule is 40 hours per week; however, additional hours may be required based on business needs. The employee may also be expected to attend business and social events outside of normal working hours. The position requires a professional demeanor and attire appropriate to a business office environment, as well as excellent interpersonal skills when working with customers and bank associates. 

Compliance

Each employee is responsible for compliance with all applicable regulatory requirements affecting the banking industry as well as applicable programs, policies and procedures. When an associate has supervisory responsibilities, he or she will make certain that their staff understand their responsibilities to comply with applicable regulatory issues and internal programs, policies and procedures.  If employees hold professional certifications which are a requirement of their job, they will maintain all certifications and licenses, including continuing education, testing requirements, etc. 

Equal Opportunity Employer / Affirmative Action / E-Verify / Drug-Free Workplace / Best Places to Work Employer