This is the time when you “meet your maker”.
Biblically, the last judgement is described with various metaphors. The shepherd with the sheep and the goats. The names in the book of life. The king on the throne with nations before him. Metaphor is used profusely in the Bible, because God cannot be understood, only compared to what we know in human terms, and more specifically, what the people in Jesus’ historical context could relate to.
The Orthodox understanding is that when we stand in the presence of God, in all his glory and holiness, we will have a reaction. This reaction will be the judgement. God needn’t say a thing. He judges by not judging. The condition of our soul, and how it reacts to such pure light is the “judgement”. It is not judgement in a legalistic sense, but in a restorative sense. Like scales being balanced. All that is inclined to good experiences joy, while all that is inclined to evil, experiences torment - because the unrelenting beauty and radiance of the Trinity is revealed, and exposes each for who they are, like light revealing everything.