Trust Advisor

THE FIRST NATIONAL BANK AND TRUST C • Newtown, PA

1d • Onsite

About The Position

The First is dedicated to helping our employees grow in their careers and we offer a variety of opportunities for success. We invest in the communities we serve, and actively encourage our employees to participate in charitable and community events and organizations. If you are friendly, professional, like to help people, and want to build a lasting career in banking, why not Make The First Your Future? Location: Newtown, PA 18940 Hours: Monday - Friday 8:30a.m. - 5:00p.m. Summary: The Trust Advisor serves as a strategic partner to clients by providing expert guidance in trust administration, estate planning, and fiduciary services. This role is responsible for managing a portfolio of personal trust, estate, investment agency, and custodial accounts, ensuring compliance with fiduciary standards and regulatory requirements. Serves as the primary point of contact for assigned trust, estate, investment, and custodial relationships, delivering high‑quality service and proactive communication. Builds long-term relationships with clients, beneficiaries, attorneys, CPAs, and centers of influence to support client goals and grow trust and investment business. Conducts regular client reviews to assess needs, discuss account performance, and identify opportunities for additional banking or fiduciary solutions. Administers personal trusts, estates, investment accounts, and custodial accounts in accordance with governing documents, state law, federal regulations, and bank fiduciary standards. Executes duties such as discretionary distribution analysis, bill payment, cash management, and coordination of asset transfers. Manages estate administration processes, including gathering assets, coordinating valuations, paying debts/expenses, preparing tax returns, communicating with beneficiaries, and facilitating final distribution. Collaborates with attorneys, accountants, and internal partners to ensure efficient and compliant estate settlement. Partners with internal investment team to ensure portfolios are managed consistent with client objectives, trust terms, and prudent investor guidelines. Reviews investment performance with clients and beneficiaries, translating technical concepts into clear, actionable insights. Maintains accurate and timely documentation, ensuring all fiduciary activities align with audit, compliance, and risk‑management expectations. Ensures that all assigned accounts comply with regulatory requirements, bank policies, and fiduciary best practices. Monitors accounts for signs of fraud, undue influence, or unusual activity, escalating concerns as required. Effectively interacts with external examiners and outside accountants as needed. Participates in internal audits, compliance reviews and examinations, preparing required documentation and implementing corrective actions as necessary. Maintains expert knowledge of trust law, estate planning practices, tax regulations, and fiduciary standards through ongoing education and training. Adheres to banking regulations and compliance standards, maintaining the highest level of integrity and confidentiality. Achieves strategic wealth management division goals, initiatives, and objectives. Continuously builds and maintains professional relationships with clients and potential clients. Utilizes sales tools to increase new business for the Wealth Management Group. Promotes goodwill and generates new business for First National Bank by applying interview skills when meeting clients to find the best wealth product(s) to fit the client’s needs. Explains, promotes and processes FNB products and services. Ensures synergy between Wealth Management division and employees, back-office departments and the branch network to generate new business and a successful referral source. Pursues and follows up on referrals as appropriate. Promotes goodwill and generates new business for the Bank by maintaining an active and viable role in appropriate organizations. Participates in civic activities during and after normal banking hours of operation to promote growth and development in the community and creates a positive image for the bank. Represents the bank at designated functions as requested. Abides by all aspects of First National Bank’s policies and procedures, and applicable laws and regulations. Maintains culture of institution through professionalism, manners and work ethic. Completes other duties that may be assigned.

Requirements

• Bachelor’s degree from four-year college or university, preferably in Economics, Finance or Business Administration
• a minimum of five years of increasingly responsible related experience and/or training in a wealth management division or law firm
• equivalent combination of education and experience
• Must possess the ability to promote high standards of professionalism both within the Bank, as well as in the community.
• Effectively communicates in English; proficient reading, writing and grammar skills; proficient analytical and mathematics skills; proficient communicative and interpersonal relations skills; ability to build professional relationships and rapport.
• Moderate PC skills including knowledge of Windows operating systems, wealth operating system, internet browsers, networking and software used by the bank.
• Successful CTFA or equivalent preferred including the continuing education credits to maintain such certification.
• If no CTFA certification is held, successful certification is expected within 3 years of position commencement for continued career and salary advancement opportunities.
• To perform this job successfully, an individual must possess a willingness to attend seminars and conferences pertinent to the department.

Nice To Haves

• Paralegal experience a plus but not required.

Responsibilities

• Serves as the primary point of contact for assigned trust, estate, investment, and custodial relationships, delivering high‑quality service and proactive communication.
• Builds long-term relationships with clients, beneficiaries, attorneys, CPAs, and centers of influence to support client goals and grow trust and investment business.
• Conducts regular client reviews to assess needs, discuss account performance, and identify opportunities for additional banking or fiduciary solutions.
• Administers personal trusts, estates, investment accounts, and custodial accounts in accordance with governing documents, state law, federal regulations, and bank fiduciary standards.
• Executes duties such as discretionary distribution analysis, bill payment, cash management, and coordination of asset transfers.
• Manages estate administration processes, including gathering assets, coordinating valuations, paying debts/expenses, preparing tax returns, communicating with beneficiaries, and facilitating final distribution.
• Collaborates with attorneys, accountants, and internal partners to ensure efficient and compliant estate settlement.
• Partners with internal investment team to ensure portfolios are managed consistent with client objectives, trust terms, and prudent investor guidelines.
• Reviews investment performance with clients and beneficiaries, translating technical concepts into clear, actionable insights.
• Maintains accurate and timely documentation, ensuring all fiduciary activities align with audit, compliance, and risk‑management expectations.
• Ensures that all assigned accounts comply with regulatory requirements, bank policies, and fiduciary best practices.
• Monitors accounts for signs of fraud, undue influence, or unusual activity, escalating concerns as required.
• Effectively interacts with external examiners and outside accountants as needed.
• Participates in internal audits, compliance reviews and examinations, preparing required documentation and implementing corrective actions as necessary.
• Maintains expert knowledge of trust law, estate planning practices, tax regulations, and fiduciary standards through ongoing education and training.
• Adheres to banking regulations and compliance standards, maintaining the highest level of integrity and confidentiality.
• Achieves strategic wealth management division goals, initiatives, and objectives.
• Continuously builds and maintains professional relationships with clients and potential clients.
• Utilizes sales tools to increase new business for the Wealth Management Group.
• Promotes goodwill and generates new business for First National Bank by applying interview skills when meeting clients to find the best wealth product(s) to fit the client’s needs.
• Explains, promotes and processes FNB products and services.
• Ensures synergy between Wealth Management division and employees, back-office departments and the branch network to generate new business and a successful referral source.
• Pursues and follows up on referrals as appropriate.
• Promotes goodwill and generates new business for the Bank by maintaining an active and viable role in appropriate organizations.
• Participates in civic activities during and after normal banking hours of operation to promote growth and development in the community and creates a positive image for the bank.
• Represents the bank at designated functions as requested.
• Abides by all aspects of First National Bank’s policies and procedures, and applicable laws and regulations.
• Maintains culture of institution through professionalism, manners and work ethic.
• Completes other duties that may be assigned.

Benefits

• Company paid pension
• 401(k) - The First contributes an amount equal to 3% of the employees compensation
• Paid holidays and vacation days
• Company provided medical insurance, with the potential for the bank to pay 100% of the premium
• Supplemental dental, medical and vision benefits
• Company provided life insurance
• Education reimbursement
• Free banking services

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level