Experience Inc. Jobs

Job Overview

Responsible for managing fiduciary and investment-oriented client relationships in which the bank is acting as trustee, executor, administrator, conservator, guardian, depositor or agent, and developing new personal trust business by providing Exceptional Service and Sensible Advice. Administer various trusts; provide expert financial advice in the areas of trust, investments, tax planning and private banking. Manage a portfolio of existing clientele, including relationships that are: "of high value" and "high visibility" for the corporation, in compliance with state and federal regulations, company policies and established Standard Operating Procedures (SOPs).  Work within a team to solicit, develop, service and retain client relationships. The position title typically progresses from Trust Relationship Manager through Sr. Personal Trust Officer based on the advisor's education, certifications and experience with estate and generation planning, retirement planning, investment management, risk management, charitable planning, and risk management. Principal Accountabilities

Accountable for the retention, development and growth of a portfolio of personal trust relationships for the assigned client base in one or more geographic regions. Operate in full compliance with internal policies and procedures as well as applicable regulations and laws, including but not limited to Bank Secrecy Act (BSA)/Anti-Money Laundering (AML) requirements.  Responsible for quality and timeliness of administration and documentation of trust account activity. Represent the Bank to both internal and external customers in a courteous, professional manner in face-to-face, written and telephone communications. 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

Administer assigned trust accounts where the bank is acting as trustee, agent or custodian in a manner that ensures compliance with governing documents, legal requirements and business line policies and procedures. Deliver expert advice and counsel in the area of personal trust products and services. Provide a high level customer service to customers, attorneys, and beneficiaries relating to these accounts. Effectively perform and coordinate account administrative activity with assigned Portfolio Managers and other internal resources for assigned accounts. Provide customer service to grantors, beneficiaries, co-trustees and attorneys relating to these assigned accounts, giving expert advice and counsel in the area of personal trust products and services. Review client correspondence and process requests for information, schedule appointments, approve bills and expenses, process discretionary payment requests, review and coordinate investment cash flow needs with the investment officer. Analyze and assess legal documents including revocable and irrevocable trusts, wills, real estate, agency agreements, and custody agreements to determine effective administration and compliance with documented provisions. Ensure compliance with policies and procedures related to all aspects of the position and keep abreast of new legal, regulatory, and tax developments. Call on portfolio of clients to retain and increase existing relationships and identify potential new business through in-person meetings, phone calls and e-mails. Profile existing customer base, and that of Service Administrators, for additional financial service needs in order to identify cross-selling opportunities through referrals to internal partners within and/or outside of wealth management services. Develop new business through referrals and centers of influence. Independently or in collaboration with other partners, create and/or coordinate specific sales proposals to generate new business.