Bank of Clarke

General

• Administer fiduciary accounts as directed by governing documents
• Tend to the daily needs and demands of trust and investment clients and beneficiaries.
• Manage tax impacts of investment activities.
• Prepare distribution requests
• Maintain and apply basic knowledge of income tax and wealth transfer tax systems
• Prepare for and participate in Trust Committee meetings
• Work tactfully and professionally with account owners, beneficiaries, and other clients
• Perform annual regulatory reviews
• Open and close accounts
• Prepare requests for investment transfers or trades
• Prepare and submit court accountings, as required
• Work directly with investment advisors to carry out investment objectives
• Attend client calls and meetings
• Interface with securities operations and investment personnel
• Coordinate bill payment
• Prepare system reports of financial information;
• Assist with regulatory audits
• Calculate and collect management fees following approved fee schedules

Senior Trust Officer

Manager

• Manages and administers a portfolio of commercial loans, ensuring asset quality, compliance, and strong client relationships, working closely with Commercial Loan Officers and Credit Officers
• Prepare accurate and timely financial statement spreads
• Underwrites commercial new loan and line renewals; analyzes financial statements, tax returns, cash flows, and industry data for C&I, CRE, and SBA loans
• Assist in structuring new credit requests adhering to policy: develops appropriate loan terms, covenants, pricing
• Conducts an annual evaluation of relationships within portfolio
• Monitors portfolio delinquency and assists commercial lenders with calling on existing clients for payments up to 30 days past due
• Responsible for monitoring, creating, and updating required financial reporting
• Evaluate existing credit relationships and assign/affirm/request the appropriate risk rating based on the assessment of risk concluded through the analysis process
• Coordinate approval process with Credit department and in Loan officer’s absence present to approval committee
• Review and edit commitment letters ensuring accuracy between commitment letters and approval
• Leads at minimum monthly (or as needed) portfolio management meetings with Lenders and lending assistants
• Stay well-versed in current economic market trends to provide timely and relevant insights.
• Assume additional responsibilities, as requested

Senior Commercial Loan Portfolio Manager

• Develop and implement strategies for collections and special assets.
• Align departmental goals with organizational objectives.
• Lead a high-performing team with a focus on accountability and continuous improvement.
• Oversee collections of delinquent accounts and restructuring troubled credits.
• Manage disposition of special assets including NPLs, foreclosed properties, and repossessed collateral.
• Supervise valuation, impairment analysis, and timely disposition of non-performing assets.
• Create and update policies and procedures for collections and special assets.
• Ensure compliance with laws, regulations, and internal risk standards.
• Coordinate with legal and compliance teams to minimize legal exposure.
• Represent the organization in audits, regulatory exams, and external reporting.
• Monitor performance metrics and analyze portfolio trends.
• Prepare executive-level reports on collections, recoveries, and reserves.
• Develop early warning systems for credit deterioration.
• Establish and track KPIs for collections and asset recovery.
• Recruit, mentor, and train collections and asset management staff.
• Provide ongoing training to ensure adherence to best practices and regulatory standards.
• Act as escalation point for complex or high-value recovery cases.
• Collaborate with senior leaders across Credit Risk, Lending, Legal, and Operations.
• Ensure seamless integration of collections and asset management strategies.
• Manage relationships with external vendors (e.g., collection agencies, law firms, appraisers, auctioneers).
• Maximize asset recovery and control costs.
• Lead or support M&A due diligence, portfolio sales, stress testing, and crisis response to credit events.
• Drive innovation in recovery strategies using technology, automation, and analytics.

Special Assets Manager

• Provide lending services and financial advice to customers interested in mortgage loans for the purpose of purchasing, refinancing or constructing real estate.
• Interview applicants to obtain their financial position and ability to repay.
• Collect and analyze all necessary documentation and review for loan approval.
• Review various loan products to recommend best fit for the customer depending on credit history, down payment, and amortization requirements.
• Utilize training materials, reference tools, and other resources to provide accurate up-to-date loan program/policy information to clients and partners.
• Ability to communicate and manage client information through loan operating system, and any other system applicable to the process.
• Develop and maintain successful relationships with business referral sources.
• Increase mortgage loan portfolio by developing business contacts, attracting mortgage customers.
• Weekly calls and appointments on potential and existing customers as established in marketing plan to develop new business or retain existing business.
• Approve mortgage loans by examining application and supporting documentation; estimating credit worthiness; calculating repayment risk.
• Complete mortgage loans by monitoring collection, verification, and preparation of mortgage loan documentation; provides underwriting with complete and accurate loan applications; communication with customers and partners during various stages of the loan process; scheduling and completing mortgage loan closing.
• Identify cross-selling opportunities of deposit, investment or other loan products.
• Expedite the processing of various loan documents and ensure compliance with policies, procedures and guidelines.
• Works closely with team members to ensure timely follow-up on all new leads generated by referrals and marketing programs.
• Resolve concerns and answered questions for parties involved with each transaction to ensure successful.
• Ensure exceptional client experience by overseeing loan process from origination to closing.
• Protect bank’s image by keeping mortgage loan information confidential.
• Update job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks, participating in professional organizations.
• Develop fee income from existing and prospective customers.

Senior Trust Officer

Senior Commercial Loan Portfolio Manager

Special Assets Manager

Mortgage Loan Officer