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Job description
Description
The Senior Trust Officer is a seasoned fiduciary leader responsible for the independent administration and strategic oversight of complex trust and fiduciary relationships. This role serves as a primary advisor to high-net-worth clients and families, ensuring all trust activities are executed with precision, sound judgment, and strict adherence to fiduciary standards.
Positioned between VP and SVP Managing Director, the SVP Senior Trust Officer is expected to operate autonomously on complex relationships, mentor junior staff, and contribute meaningfully to client retention, risk management, and selective growth initiatives, while maintaining institutional-grade fiduciary discipline.
Essential Duties/Responsibilities to be performed with or without accommodation
1. Advance Trust Administration & Fiduciary Leadership
Independently administer a portfolio of complex fiduciary relationships, including: Multi-generational family trusts
Directed and discretionary trusts
Estate settlements and special assets (as applicable)
Interpret complex governing documents and exercise discretionary authority where appropriate.
Ensure all actions align with fiduciary duty, governing documents, and applicable laws.
2. Lead Client Relationship Management
Serve as primary relationship manager for high-net-worth and complex client relationships.
Provide consultative guidance on: Trust structures and administration
Wealth transfer strategies
Fiduciary governance
Lead client meetings and coordinate across internal and external advisors (attorneys, CPAs, RIAs).
Manage sensitive family dynamics and complex client scenarios with professionalism and discretion.
3. Investment Oversight & Strategic Alignment
Partner closely with Portfolio Managers to: Align investment strategy with trust objectives and distribution needs
Ensure compliance with fiduciary standards (prudent investor rule)
Review portfolio positioning and expedite concerns where appropriate.
Participate in internal investment or trust committee discussions as needed.
4. Risk Management & Fiduciary Governance
Identify, assess, and mitigate fiduciary and operational risks across assigned relationships.
Ensure clear documentation and defensibility of all discretionary decisions.
Proactively elevate complex or high-risk matters to senior leadership or Trust Committee.
Maintain a strong understanding of fiduciary liability and regulatory expectations.
5. Compliance & Regulatory Adherence
Maintain working knowledge of: State trust statutes (e.g., Kansas, Missouri, Ohio as applicable)
Federal fiduciary standards
Tax implications impacting trusts and beneficiaries
Ensure adherence to internal policies, audit standards, and regulatory requirements.
Support regulatory exams and internal audits as needed.
6. Documentation, Reporting & Audit Readiness
Ensure accurate and complete maintenance of: Trust agreements and amendments
Fiduciary decision records
Client communications
Oversee delivery of high-quality client reporting.
Maintain audit-ready files consistent with institutional standards.
7. Cross-Functional Leadership & Collaboration
Collaborate with: Investment Management
Tax & Accounting
Operations / Trust Administration
Legal & Compliance
Serve as a key escalation point for complex client or fiduciary issues.
Drive continuous improvement in processes, workflows, and service delivery.
8. Mentorship & Team Development
Provide guidance and mentorship to: Trust Officers (VP level)
Trust Administrators / Associates
Assist in developing team capabilities and elevating fiduciary standards.
Contribute to training and knowledge sharing within the trust organization.
9. Business Development & Growth Contribution
Support organic growth through: Deepening existing client relationships
Identifying cross-sell opportunities
Participate in select prospect meetings alongside senior leadership.
Maintain and develop relationships with centers of influence (COIs).
Requirements
Education & Credentials
Bachelor’s degree in Finance, Business, Accounting, or related field required
Professional certifications preferred or in progress: CTFA (Certified Trust and Fiduciary Advisor)
CFP® (Certified Financial Planner)
CFA (Chartered Financial Analyst)
Advanced degree (JD, MBA, or related) is a plus but not required
Experience
7–10+ years of experience in:
Trust administration
Fiduciary services
Wealth or estate planning
Proven ability to manage complex trust relationships independently
Experience in a trust company, bank trust department, or multi-family office strongly preferred
Knowledge, Skills, Abilities required to perform essential functions
Trust structures and fiduciary responsibilities
Estate and tax considerations
Investment principles and portfolio oversight
Experience with trust accounting and reporting systems (e.g., Advantage, FIS,)
Strong analytical and documentation capabilities
Leadership & Core Competencies
Advanced fiduciary judgment and decision-making ability
Strong client relationship and communication skills
Ability to manage complex, sensitive client situations
High attention to detail and organizational discipline
Demonstrated leadership and mentoring capability
Unquestionable integrity and professionalism
Performance Expectations
Independent management of complex fiduciary relationships with minimal oversight
High client satisfaction, retention, and relationship expansion
Strong documentation supporting fiduciary decisions and audit readiness
Minimal compliance or operational exceptions
Active contribution to team development and knowledge sharing
Measurable contribution to organic growth initiatives
Work Environment and Physical Demands required to perform essential functions
Moderate noise (business office with computers, phone, printers, light traffic)
Ability to sit at a computer for an extended period of time
Regularly required to sit, stand, talk, hear, and use hands and fingers to operate a computer keyboard and telephone
Specific vision abilities include close vision requirements due to computer work
Midwest Trust Company is an Equal Opportunity Employer
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Worksite address
westerville, OH, 43082, US
Who can apply
Review the original listing for work authorization, qualifications and employer requirements.