Bank Trust Officer

Company: AppleOne
Location: Rancho Cordova
Posted on: January 15, 2026

Job Description:

Job Description Job Description Our client is a premier community bank servicing Northern California businesses, providing legendary service built on trust and relationships, is seeking a Senior Trust Officer to join their Wealth Management and Trust team. The Senior Trust Officer will be responsible for maintaining relationships with clients and beneficiaries where the Bank has been retained to serve as Trustee. Independently perform the administration of trust accounts as assigned, and perform duties as directed by the governing document and current pertinent law. The Senior Trust Officer will generate and close acceptable new business opportunities, with responsibility for achievement of assigned business development goals. Responsibilities will include management of accounts which do not involve a trust (investment management agency). In addition, the Senior Trust Officer will also be responsible for various operational and marketing/business development tasks. As the Senior Trust Officer this position would be expected to provide guidance to Client Service Associate(s) and the Trust Officer(s). Essential Job Functions: Senior Trust Officer (STO), will be expected to perform the duties described herein with minimal supervision: Manage trust relationships including the opening, administering and closing of trust accounts. Independently prepare for and conduct new business meetings with prospective clients. Review and interpret the terms of governing documents and carry out such terms in accordance with state, local and federal laws. Prepare distribution plans and evaluate discretionary distribution requests against the trust document, applicable laws, and internal policies and procedures. Create and maintain professional rapport and working relationship with trust beneficiaries, clients, and COIs as needed to sustain account relationships. Complete all regulatory reporting required of trust accounts including administrative and Reg 9 reviews. Collaborate with COIs and other professionals, including estate planning attorneys, CPAs, and investment managers, to develop new business opportunities and in furtherance of current clients’ estate, tax, or succession planning goals. Proficient in asset allocations, investment vehicles, and modern portfolio theory. Possess a basic understanding of individual & fiduciary tax laws. Understand fiduciary accounting principles including the UPAIA. Engage with COIs in the community to increase knowledge of the Bank which may include such activities as joining relevant professional organizations and volunteering at local non-profits. Identify and report to management potential risks to the department and assist in risk mitigation. May directly supervise other trust officers and client services officers. Job Skill Level / Additional Requirements: Proficiency dealing independently with clients while providing service or resolving service problems. Thorough understanding of trust, taxation and probate laws. Understanding concepts of modern portfolio theory, asset allocation, risk tolerance, time horizon and other concepts relative to establishing Investment Policies for clients’ situations. Able to credibly interact with other professionals (eg., attorney's and CPA's). Experience with trust accounting and accounting programs/software. Advanced skill level in Word and Excel. Intermediate PowerPoint skills. JD, CTFA, AEP preferred. Apply today for this prestigious banking opportunity with an exceptional salary & benefits package! Equal Opportunity Employer / Disabled / Protected Veterans The Know Your Rights poster is available here: https://www.eeoc.gov/sites/default/files/2023 -06/22- 088_EEOC_KnowYourRights6.12.pdf The pay transparency policy is available here: https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay - transp_%20English_formattedESQA508c.pdf For temporary assignments lasting 13 weeks or longer, the Company is pleased to offer major medical, dental, vision, 401k and any statutory sick pay where required. We are committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation for any part of the employment process, please contact your staffing representative who will reach out to our HR team. AppleOne participates in the E-Verify program in certain locations as required by law. Learn more about the E-Verify program. https://e- verify.uscis.gov/web/media/resourcesContents/E - Verify_Participation_Poster_ES.pdf We also consider for employment qualified applicants regardless of criminal histories, consistent with legal requirements, including, if applicable, the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. Pursuant to applicable state and municipal Fair Chance Laws and Ordinances, we will consider for employment-qualified applicants with arrest and conviction records, including, if applicable, the San Francisco Fair Chance Ordinance. For Los Angeles, CA applicants: Qualified applications with arrest or conviction records will be considered for employment in accordance with the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act. 1086 Company Description This company offers growth and a great group of people to work with. Company Description This company offers growth and a great group of people to work with.

Keywords: AppleOne, Richmond , Bank Trust Officer, Accounting, Auditing , Rancho Cordova, California