Trust Officer Jobs

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Senior Credit Officer

Burke & Herbert Bank & Trust•Moorefield, WV
•Onsite

About The Position

The Senior Credit Officer is a senior individual contributor within Credit Risk Management, responsible for independent credit judgment and risk assessment of complex commercial credits. The role carries significant loan authority, to be exercised prudently, and supports the Bank’s credit culture through proper risk selection, adherence to credit policy, and consistent application of regulatory standards across business lines. It has no direct supervisory or people-management responsibilities. The position reviews and approves commercial and business loan requests, assesses loan structures, and recommends covenants or modifications to mitigate risk. It also leads credit risk management activities, advises commercial lending partners on credit policy, collaborates with senior credit leadership on policy updates, and mentors bankers, underwriters, and portfolio managers. The role operates in an office setting, with no opportunity to telework. Duties are conducted by telephone, in face-to-face meetings, and on a computer. Wide-footprint travel may be required, including regular visits to clients and prospects in the market territory.

Requirements

  • Bachelor’s degree in Business, Accounting, Finance, or a related field.
  • At least 10 years of experience in commercial banking credit underwriting.
  • Demonstrated experience with credit risk management, loan policy interpretation, and credit committee presentations.
  • Advanced commercial credit underwriting and financial analysis skills.
  • Advanced proficiency in Microsoft Excel; working knowledge of Word and Outlook.
  • Strong analytical, critical-thinking, written, and verbal communication skills.
  • Ability to manage a high volume of transactions in a fast-paced, results-driven environment.
  • Ability to travel across the footprint as required and make regular visits to clients and prospects in the market territory.

Nice To Haves

  • Prior management or supervisory experience.
  • Prior sales experience.

Responsibilities

  • Review and approve commercial and business loan requests in accordance with loan policy.
  • Review loan structures and recommend appropriate covenants and structural modifications to mitigate risk.
  • Exercise independent authority to recommend loans outside policy guidelines when warranted.
  • Lead credit risk management activities, including stress testing, financial analysis, and risk rating reviews.
  • Provide credit policy interpretation and guidance to commercial lending partners.
  • Collaborate with senior credit leadership to propose loan policy enhancements and updates.
  • Mentor bankers, underwriters, and portfolio managers.
  • Support lending staff with loan presentations and documentation within credit systems.
  • Assist in preparing quarterly and ad hoc credit and financial reports.
  • Stay current on regulatory guidance, loan policy changes, and market conditions.
  • Perform other duties as assigned.

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Based on current job postings on Teal, the average Trust Officer salary in the US is approximately $109,000 per year, with a typical range of $60,000 to $160,000.
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