Credit Pre-Post Closing Specialist - Metro Office

Job Category: Credit Admin

Requisition Number: CREDI
003362

Posted: December 3, 2025

Employment Type: Full‑Time, On‑site

Location: Showing 1 location

Hours: 8 a.m.

- 5 p.m.

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.

• 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 the loan platform to order the loan package.
• Provide closing instructions and loan documents to the closing agent.
• Verify HUD is complete and contains all fees as outlined in 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.

• Provides additional support to manager and department colleagues.
• Completes all assigned/required bank training within established timelines.

• 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.

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

• 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.

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

Capital City Bank, Capital City Investments, Capital City Trust Company, and Capital City Home Loans are committed to workplace diversity and expect the same level of dedication from all employees.

© 2025 Capital City Bank. All rights reserved. The above declarations are not intended to be an “all‑inclusive” list of the duties and responsibilities of the job described. 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.

Equal Opportunity Employer / Protected Veterans / Disabled / Drug‑Free. This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.