Purpose

While projecting a professional image, the Trust Investment Officer interacts with internal and external stakeholders to establish investment protocols and controls aligned with Bank policies, procedures, and fiduciary regulations. This role involves evaluating and recommending third-party asset managers and performing ongoing monitoring and due diligence. Using a combination of asset classes and strategies, the officer will create and update investment models on a quarterly basis.

This is a highly client-facing position, responsible for managing and overseeing individual client investment portfolios. The officer must balance fiduciary standards with the Bank’s investment framework, client objectives, risk tolerance, and legal considerations.

Essential Functions

• Ensure that customers and bankers are assisted promptly in person, by telephone, or electronically by meeting or exceeding Bank standards as identified in the Serve Like Family Playbook.
• Provide exceptional client service with integrity, empathy, and a client-first mindset, consistently exceeding expectations of internal partners, clients, prospects, and external centers of influence.
• Serve as a trusted resource on market conditions and economic trends, offering investment advice tailored to each client’s goals and objectives.
• Conduct thorough research on market trends, economic indicators, mutual funds, ETFs, individual securities, and alternative investments to support prudent investment decisions.
• Build and maintain the Bank’s Approved Investment List; present recommended changes to the Senior Trust Committee based on informed analysis.
• Monitor and evaluate investment portfolios for clients and prospects, ensuring compliance with fiduciary standards, trust documents, and internal policies.
• Accurately and promptly execute trades, maintaining detailed records of all investment activities.
• Provide monthly economic and market commentary for internal and external audiences, supporting thought leadership and transparency.
• Lead or participate in regulatory and performance reviews of investments to ensure quality and compliance.
• Engage in financial planning discussions with clients to provide investment expertise as part of a comprehensive wealth management strategy.
• Prepare and present portfolio evaluations and performance reports aligned with client review schedules.
• Actively network within the Bank and across communities to identify opportunities for new business and client referrals.
• Support and lead educational events and seminars that promote understanding of trust and investment services.
• Uphold fiduciary accountability by consistently following through on commitments and maintaining the highest ethical standards.
• Perform additional duties and special projects as assigned to support departmental and organizational goals.

Education & Experience

• Bachelor’s degree in a related field with a minimum 3.0 GPA required
• Master’s degree or professional certification (CFA, CFP, CTFA) preferred
• Typically requires 3–5 years of relevant investment or trust experience
• Valid state-issued driver’s license required