Credit Pre-Post Closing Specialist - Metro Office

Credit Pre-Post Closing Specialist - Metro Office

We are seeking a detail-oriented and highly organized Pre-Post Closing Specialist 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 per 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.

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 :

Knowledge, Skills and Abilities (KSAs) Required :

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 :

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

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.