Senior Trust & Wealth Advisor

The Croghan Colonial Bank•Toledo, OH

About The Position

The Senior Wealth Advisor is an advanced, client-facing professional who leads larger, more complex, and strategically important relationships within Croghan Colonial Bank’s Wealth Management and Trust Department. The role integrates financial planning, tax-aware wealth strategy, estate-planning coordination, investment discussions, fiduciary judgment, relationship management, business development, mentoring, and governance contributions. It operates within a bank trust environment and is not a broker-dealer producer role. Securities licensing is not required for the core position unless Croghan separately assigns licensed activities through approved channels. The advisor serves as the senior relationship presence for complex or sensitive client situations and develops strategies spanning families, entities, trusts, investment accounts, fiduciary structures, banking relationships, business interests, outside advisors, and next-generation stakeholders. The role also originates significant new relationships, cultivates referral networks, mentors colleagues, contributes to team standards, and supports fiduciary, investment, risk, audit, regulatory, policy, or governance work as assigned.

Requirements

Eight to ten or more years of progressive experience in wealth management, RIA advisory work, financial planning, tax planning, estate planning, trust administration, fiduciary services, investment management, private banking, law, accounting, or a related discipline.
Demonstrated success independently managing complex client relationships and making high-quality decisions under fiduciary, planning, investment, service, documentation, regulatory, and reputational constraints.
Advanced technical competence across multiple wealth-management disciplines and judgment to recognize when specialist, legal, tax, compliance, committee, or executive involvement is required.
Demonstrated ability to develop business, cultivate referral sources, lead major prospect opportunities, mentor others, influence without relying solely on title, and raise the quality of team decision-making.
Bachelor’s degree in finance, business, accounting, economics, financial planning, law, taxation, or a related discipline preferred, or equivalent relevant experience.

Nice To Haves

CFP and/or CPA strongly preferred for senior candidates.
JD, CTFA, CPWA, CIMA, CFA, AEP, or comparable role-relevant credentials are highly valued depending on experience and assigned responsibilities.
Background in CFP, CPA, JD, CTFA, CPWA, CIMA, CFA, advanced planning, tax, estate planning, RIA lead advising, family office, private wealth, or senior fiduciary advising.
Ability to lead business development in a relationship-based, fiduciary, planning-oriented manner rather than through transactional sales tactics.
Credibility with attorneys, CPAs, business owners, executives, multi-generational families, bankers, and community leaders.
Willingness to mentor others, share expertise, build team standards, and help institutionalize client relationships.

Responsibilities

Lead larger, more complex, higher-risk, multi-generational, business-owner, executive, concentrated-asset, charitable, sensitive, or strategically important relationships.
Serve as the senior relationship presence when complexity, retention risk, fiduciary sensitivity, family dynamics, planning complexity, tax sensitivity, or reputational exposure requires advanced judgment.
Develop relationship strategies across family members, entities, trusts, investment accounts, fiduciary structures, banking relationships, business interests, outside advisors, and next-generation stakeholders.
Lead sophisticated client and professional-advisor conversations involving estate planning, wealth transfer, fiduciary obligations, liquidity needs, portfolio strategy, tax-aware coordination, retirement income, business succession, charitable planning, incapacity, family governance, and sensitive beneficiary matters.
Apply advanced fiduciary judgment to governing documents, discretionary decisions, conflicts, beneficiary issues, complex distributions, unusual assets, account acceptance, account reviews, policy exceptions, and documentation requirements.
Recognize when legal, tax, compliance, committee, executive, investment, or fiduciary specialist review is required and coordinate that review effectively.
Provide senior-level planning and investment judgment where authorized, including portfolio construction review, risk assessment, cash-flow needs, concentrated positions, liquidity issues, tax considerations, and implementation tradeoffs.
Exercise higher delegated authority where approved by bank policy and applicable governance processes.
Originate, lead, and convert significant new relationships consistent with Croghan’s fiduciary capabilities, client-service capacity, planning strengths, and target market.
Develop durable referral relationships with attorneys, CPAs, business advisors, commercial bankers, community leaders, and other centers of influence.
Represent Croghan through professional, community, educational, and client-facing activities that build credibility and create new relationship opportunities.
Mentor Wealth Advisors, Associate Wealth Advisors, and other client-facing or support professionals through case consultation, meeting preparation, debriefing, technical coaching, documentation standards, and client communication guidance.
Contribute to standards for client reviews, planning quality, relationship segmentation, documentation, fiduciary escalation, client communication, business development, and professional development.
Participate in or support fiduciary, investment, account-acceptance, risk, audit, regulatory, policy, or governance work as assigned.
Identify process weaknesses, client-experience gaps, training needs, technology limitations, risk trends, and growth opportunities and recommend practical improvements.