Wealth Management & Fiduciary Services - Senior Trust Officer

Security National Trust Company is a federally chartered trust institution specializing exclusively in fiduciary services, including trust administration, executorship services, Individual Retirement Accounts (IRAs), and investment management agency services.

We are seeking a knowledgeable, client-focused Wealth Management Advisor to join our team in Huntington, West Virginia. This position is responsible for managing an assigned book of fiduciary relationships, delivering personalized wealth management and client service, and ensuring that accounts are administered in accordance with governing documents, applicable laws and regulations, and the Company's fiduciary standards.

The successful candidate will combine strong fiduciary judgment, relationship management skills, and an understanding of investment management to serve individuals, families, beneficiaries, and other clients. The position works closely with the Portfolio Manager to coordinate investment management activities and collaborates with a second senior trust officer on discretionary distribution decisions.

This is an excellent opportunity for a professional who values long-term client relationships, thoughtful fiduciary decision-making, regulatory compliance, and personalized wealth management.

Key Responsibilities

Wealth Management & Client Relationship Management

• Manage an assigned book of fiduciary relationships, including revocable and irrevocable trusts, investment management agency accounts, IRAs, estates, and other fiduciary accounts.
• Serve as a primary point of contact for clients and beneficiaries, developing and maintaining long-term relationships through proactive communication, regular meetings, and responsive service.
• Meet with clients and beneficiaries to discuss account administration, investment performance, distributions, financial objectives, and other matters relevant to their fiduciary relationships.
• Prepare and present account reviews, reports, and other materials that clearly communicate account activity and relevant investment information.
• Develop a thorough understanding of client needs, beneficiary interests, account objectives, and distribution requirements to support appropriate fiduciary administration.
• Coordinate with attorneys, accountants, beneficiaries, and other professional advisors to address client needs and facilitate effective administration of fiduciary accounts.
• Deliver a high level of personalized service while maintaining appropriate documentation and adherence to fiduciary responsibilities.

Fiduciary Administration & Decision-Making

• Administer assigned accounts in accordance with governing trust instruments, wills, agency agreements, IRA documents, applicable state and federal law, and Company policies and procedures.
• Exercise sound fiduciary judgment in administering accounts for which the Company serves as trustee, executor, conservator, or investment management agent.
• Evaluate discretionary distribution requests and make distribution decisions in collaboration with a second senior trust officer, consistent with governing documents, applicable law, beneficiary circumstances, and the Company's fiduciary obligations.
• Interpret governing documents and evaluate matters involving distributions, beneficiary interests, principal and income, and other complex fiduciary issues.
• Identify potential conflicts of interest, unusual account circumstances, and other fiduciary risks, escalating matters when appropriate.
• Maintain complete and accurate documentation of fiduciary decisions, account activities, client communications, and significant administrative matters.
• Coordinate account administration with internal team members and external professionals to ensure timely, accurate, and consistent service.

Investment Management Coordination

• Work closely with the Portfolio Manager to coordinate investment management activities for assigned accounts.
• Communicate client objectives, distribution requirements, liquidity needs, cash flow expectations, and other relevant fiduciary considerations to the Portfolio Manager.
• Participate in client portfolio reviews and discussions regarding investment performance, asset allocation, investment objectives, and account requirements.
• Coordinate distributions, account funding, cash management, and other fiduciary administration matters that affect investment portfolios.
• Help ensure that investment-related activities and client communications are consistent with governing documents, client objectives, applicable fiduciary responsibilities, and established Company procedures.
• Maintain ongoing communication with the Portfolio Manager regarding client needs, account developments, and matters requiring coordination between fiduciary administration and investment management.

Regulatory Reviews, Risk Management & Compliance

• Ensure all required Regulation 9 reviews are completed in accordance with applicable requirements and Company policy.
• Review assigned accounts for compliance with governing documents, applicable laws and regulations, and the Company's fiduciary policies and procedures.
• Identify, evaluate, document, and address fiduciary, operational, legal, and compliance risks associated with assigned accounts.
• Maintain appropriate records of account reviews, fiduciary decisions, identified issues, and required follow-up actions.
• Recognize and escalate complex legal, compliance, investment, and administrative matters to the appropriate senior trust officer or other internal personnel.
• Assist with regulatory reporting and preparation of materials for the Company's Trust Investment Review Committee.
• Ensure required account documentation, reviews, and follow-up actions are completed accurately and within established timeframes.
• Maintain working knowledge of applicable Office of the Comptroller of the Currency (OCC) fiduciary regulations, including 12 CFR Part 9, and their application to the Company's fiduciary activities.

Business Development & Relationship Growth

• Strengthen existing client relationships and identify opportunities to expand the Company's fiduciary and wealth management services.
• Support growth in assets under management through excellent client service, relationship retention, and the addition of assets to existing accounts.
• Develop and maintain professional relationships with attorneys, accountants, financial advisors, and other centers of influence who may refer prospective clients.
• Cultivate referral opportunities through professional networking and appropriate follow-up with existing clients and professional contacts.
• Represent Security National Trust Company professionally in the community and contribute to the continued growth of its fiduciary business while maintaining the highest standards of client service and fiduciary responsibility.

Pay: $100,000.00 - $125,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Professional development assistance
• Relocation assistance
• Retirement plan
• Vision insurance

Education:

• Bachelor's (Required)

Experience:

• Wealth Management: 5 years (Required)
• trust and fiduciary: 5 years (Preferred)

License/Certification:

• CTFA (Preferred)

Location:

• Huntington, WV 25701 (Preferred)

Ability to Relocate:

• Huntington, WV 25701: Relocate with an employer provided relocation package (Preferred)

Willingness to travel:

• 25% (Preferred)

Work Location: In person

Salary : $100,000 - $125,000