Credit Pre-Post Closing Specialist - Metro Office

Pre-Post Closing Specialist- Capital City Bank- More than your bank, your banker

Hours Mon- Fri

8 a.m.- 5 p.m.

General Summary

We are seeking a detail-oriented and highly organized Pre-Closing & Post-Closing Specialists to support our lending operations. This role is critical in ensuring loan files are complete, compliant, and ready for funding and post-closing review. The ideal candidate will have a strong background in lending, with a keen eye for documentation and regulatory compliance.

All associates at Capital City Bank, Capital City Investments, Capital City Trust Company, and Capital City Home Loans have access to confidential client information and must practice discretion at all times.

Principal Duties and Responsibilities

• Perform due diligence duties including, but not limited to, ordering and reviewing essential documentation such as flood determinations, title work, appraisals, and surveys.
• Confirm receipt of all required borrower information.
• Review and verify hazard (flood and wind if applicable) policies for proper information as it pertains to the loan closing.
• Input required closing information into loan platform to order loan package.
• Provide closing instructions and loan documents to the closing agent.
• Verify HUD is complete and contains all fees as er the closing instructions.
• Ensure compliance with regulatory requirements.
• Review initial loan files for completeness and accuracy.
• Verify all loan conditions are satisfied prior to funding.
• Review closed loan packages for completeness and accuracy.
• Record and file collateral documents.
• Review recorded documentation and title policies.
• Work with Lender/Lending Assistant to clear post-closing exceptions within defined timelines.
• Manage training documents and ensure proper compliance review.
• Employer determines the essential functions of the job.

All associates must understand and adhere to the non-negotiable Banker Standards and commit to practicing SGNNT (smile, greet, name, name, thank you) at all times. Associates will consistently follow policies and procedures as established by Capital City Bank, Capital City Investments, Capital City Trust Company, and Capital City Home Loans, with department managers setting the standard.

Associated Duties

Provides additional support to manager and department colleagues.

Completes all assigned/required Bank training within established timelines.

Knowledge, Skills and Abilities (KSAs) Required

The following KSAs are usually acquired through working experience and/or specialized course(s):

• Enthusiastic, professional and courteous client service attitude and the ability to represent the Bank in a positive, and confident manner.
• Experience in business and consumer lending operations.
• Strong understanding of loan documentation and closing procedures.
• High level of interpersonal skills and ability to perform in a high-volume environment.
• Exceptional organizational, written and oral communication skills, and attention to detail.
• Ability to work independently and manage multiple priorities.
• Skill in compliance review and document management.
• Experience with pre-closing and post-closing processes.
• Knowledge of regulatory requirements in lending.
• Strong communication and problem-solving abilities.

Education

Minimum high school diploma or equivalent required. Some college preferred. Experience in commercial or business banking, may substitute for the education requirement.

Working Conditions

• Professional office environment
• Fast-paced environment.
• Regular contact with clients, associates and supervisors
• Communication by phone, email and fax
• Multitask using several computer applications
• In the rare instance of a major or extensive natural disaster, epidemic or pandemic occurrence, or other disruption within our footprint, it may be necessary for associates to relocate or telecommute before, during or after, to ensure business continuity.

Capital City Bank associates are our greatest asset. We offer the following benefits:

• Medical, Dental and Vision
• Life Insurance
• 401(k) with Matching
• Flexible Spending Accounts
• Tuition Assistance
• Stock Purchase
• Discounts on Products and Services

EOE/Protected Veterans/Disabled/Drug Free

The above declarations are not intended to be an "all-inclusive" list of the duties and responsibilities of the job described nor are they intended to be such a listing of the skills and abilities required to do the job. Rather, they are intended only to describe the general nature of the job.

THIS JOB DESCRIPTION DOES NOT CONSTITUTE AN EMPLOYMENT AGREEMENT. This job description does not restrict Capital City Bank, Capital City Wealth, and Capital City Home Loans from the ability to assign, reassign or eliminate duties and responsibilities of this job at any time. This job description describes the current assignment of essential functions. These functions may change at any time as the needs of the Bank or department change or for other reasons deemed appropriate.