Trust & Wealth Advisor

The Croghan Colonial Bank • Toledo, OH

8d • Onsite

About The Position

The Wealth Advisor serves as a primary relationship manager and planning-oriented fiduciary advisor within Croghan Colonial Bank’s Wealth Management and Trust Department. The advisor leads assigned client relationships, understands clients’ goals and family circumstances, coordinates investment, planning, fiduciary, banking, tax, legal, and operational resources, and ensures commitments are completed. The role is similar to a planning-centric RIA wealth advisor but operates within a bank trust environment using Croghan’s fiduciary and trust capabilities. It is not a broker-dealer producer role, and securities licensing is not required for the core position unless Croghan separately assigns licensed activities through approved channels.

The advisor develops a documented understanding of clients’ objectives, family circumstances, liquidity needs, risk tolerance, estate-planning structure, investment objectives, banking relationships, service expectations, outside advisors, and decision makers. The advisor leads reviews and planning and service meetings, coordinates with internal and external professionals with appropriate client authorization, and helps clients understand investment, fiduciary, estate, tax, retirement, and planning concepts. The advisor also coordinates or administers assigned trust, agency, IRA, fiduciary, investment-management, and related wealth relationships in accordance with governing documents, bank policy, delegated authority, and applicable law.

The role includes identifying client planning needs and opportunities to deepen existing relationships, attract new clients, and expand assets and revenue where appropriate. The advisor participates in prospect discovery, proposals, presentations, onboarding, community visibility, educational events, and center-of-influence development. Accurate documentation, timely follow-through, and escalation of material issues are essential.

Requirements

• Five or more years of progressively responsible experience in wealth management, financial planning, RIA advisory work, trust administration, investment management, private banking, estate planning, tax, law, or a related field.
• Working knowledge of financial planning, investments, portfolio construction, retirement planning, trust and estate concepts, taxation concepts, fiduciary principles, and bank trust operations.
• Strong client relationship, communication, organization, documentation, problem-solving, business development, and follow-through skills.
• Strong financial planning mindset and desire to build long-term client relationships.
• Comfort discussing investments, estate planning, tax-aware planning, retirement income, and family wealth issues while recognizing when a specialist should be involved.
• Commercial awareness and willingness to contribute to business development without treating the role as transactional sales.
• Ability to develop attorney, CPA, banker, client, and community relationships that support high-quality growth.
• Fiduciary-minded, collaborative, practical, empathetic, and accountable approach to follow-through.

Nice To Haves

• Bachelor’s degree in finance, business, accounting, economics, financial planning, or a related discipline, or equivalent relevant experience.
• Advanced degree or professional credential such as CFP, CPA, CTFA, CIMA, CFA, JD, CPWA, AEP, or a similar role-relevant designation.

Responsibilities

• Serve as the primary relationship manager and relationship quarterback for an assigned group of Wealth Management and Trust Department clients.
• Develop a documented understanding of each client’s goals, family dynamics, liquidity needs, risk tolerance, estate-planning structure, investment objectives, banking relationships, service expectations, outside advisors, and key decision makers.
• Lead periodic client reviews, planning discussions, and service meetings, including agenda preparation, internal coordination, decision documentation, follow-up assignments, and completion tracking.
• Translate investment, fiduciary, estate, tax, retirement, and planning concepts into practical language clients can understand and act on.
• Coordinate with attorneys, CPAs, insurance professionals, bankers, investment resources, trust specialists, operations, and other professionals with appropriate client authorization.
• Identify planning needs involving retirement income, cash flow, estate planning, beneficiary structure, charitable giving, education funding, tax sensitivity, business succession, insurance, and related client objectives.
• Work with investment resources to align portfolio strategy, cash needs, restrictions, tax considerations, risk tolerance, asset allocation, and client objectives.
• Where authorized by policy and delegated authority, participate in investment recommendations, portfolio implementation, approved investment actions, or trade execution through approved bank processes.
• Understand fiduciary obligations, governing documents, account agreements, discretionary boundaries, conflicts, beneficiary issues, documentation standards, and escalation requirements.
• Administer or coordinate assigned personal trust, agency, IRA, fiduciary, investment management, and related wealth relationships in accordance with governing documents, bank policy, delegated authority, and applicable law.
• Develop and maintain internal referral relationships and external centers of influence, including attorneys, CPAs, business owners, commercial bankers, community leaders, and other professional advisors.
• Identify opportunities to deepen existing relationships, attract new clients, expand assets and revenue, and introduce appropriate bank or wealth-management services when in the client’s interest.
• Participate in prospect discovery, proposal development, client presentations, onboarding, community visibility, educational events, and COI development activities.
• Maintain complete, timely, and accurate relationship notes, account documentation, review materials, approvals, issue tracking, and follow-up records.
• Escalate material legal interpretation issues, beneficiary disputes, unusual distributions, conflicts, complaints, concentrations, policy exceptions, errors, or reputational concerns.

Benefits

• Fair, competitive salaries evaluated against benchmarked data on a normal basis.
• Comprehensive benefits package including medical, dental, and vision insurance.
• 401(k) with a company match, safe harbor, and profit-sharing.
• Bank-provided group life insurance.
• Short-term and long-term disability programs.
• Vacation, paid federal holidays, and additional PTO.
• Community-based, hometown culture.
• Collaborative environment supportive of continual growth and development.

What This Job Offers

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