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First State Trust Company

Trust Counsel Associate

Location: Wilmington, DE (not in the city) or West Palm Beach, FL

Schedule: Full-Time & Hybrid

About First State Trust Company

First State Trust Company ("FSTC") is a Delaware chartered trust company with offices in Wilmington, Delaware, and West Palm Beach, Florida. FSTC is rapidly growing. This position is a new add to staff, as the entire FSTC team continues to grow.

Since 1982, FSTC has been providing corporate trust, custody, and administration services to trust clients. Formerly known as Citi Institutional Trust Company and dating back to its roots as E.F. Hutton Trust Company, FSTC has concentrated its focus on strategic alliances with world-class financial service firms. Our strategic alliances allow clients to take advantage of FSTC's independent professional trust administration services, combined with the investment management services of their chosen provider.

Position Responsibilities

FSTC is looking for a Trust Counsel Associate to deliver high quality service and solutions. The candidate must demonstrate proper effort, attitude and discipline to work in a growing and fast paced company. This person must be service and solutions oriented to effectively assist the company and develop and maintain relationships with internal staff and other interested parties.

Key Responsibilities

• Review requests for legal analysis, identify legal issues involved, verify that all relevant information is included, and prioritize requests accordingly.
• Assist with the preparation and review of trust and estate documents.
• Draft standard trust instruments, including, but not limited to:

-Removal and appointment instruments

-Nonjudicial settlement agreements

-Investment and distribution direction letters

-Receipt, Release, Refunding and Indemnification Agreements

• Conduct legal research and analyze governing documents, statutes, rules, and regulations.
• Communicate with internal staff, attorneys, and other professionals as needed.

Knowledge & Qualifications

• Bachelor's degree and 5-7 years of experience in estate planning and/or trust administration.
• Strong drafting skills and familiarity with standard trust and estate instruments.
• Experience with discretionary trusts and directed trusts is strongly preferred.
• Experience with Title 12 of the Delaware Code is strongly preferred.
• Excellent attention to detail, organizational skills, and ability to manage multiple matters concurrently.
• Demonstrate efficiency and flexibility in performing tasks and assignments with frequently changing priorities and deadlines in a fast-paced work environment.
• Partner with other functional areas to accomplish objectives.
• Attend to details while maintaining a big-picture orientation.
• Interpret and apply policies and identify and recommend changes as appropriate.
• Work with minimal oversight, make non-routine decisions and bring complex problems to management for guidance.
• Communicate effectively, both orally and in writing, with all organizational levels.

At Community Financial System, Inc. (CFSI), we are dedicated to providing our customers with friendly, personalized, high-quality financial services and products. Our retail division, Community Bank, N.A., operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we also offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration.

Just as our employees are committed to helping our customers manage their finances, we're committed to our employees. After all, they make it happen for our customers every day.

To ensure our people can enjoy long and successful careers here at CFSI, we offer competitive compensation, great benefits, and professional development and advancement opportunities. As an equal-opportunity workplace and affirmative-action employer, we celebrate and support a diverse workplace for the benefit of all: our employees, customers and communities.

Provide support to trust officers and management to accomplish the duties and requirements of the trust division.

Essential Responsibilities:

• Provides customer service to trust clients, businesses, and professionals.
• Provides support to trust officers and trust management.
• Interacts and provides support and customer service to internal personnel.
• Prepares and maintains accurate account documentation to support administrative decisions of Bank in its fiduciary capacity.
• Communicate with clients, businesses, professionals, and internal personnel through the use of letters, email, memorandums
• Answers incoming calls and takes appropriate action.
• Reviews incoming internal and external mail and directs accordingly, responds to correspondence as required.
• Establishes and maintains required departmental documentation, files, and records.
• Prepares reports as needed from trust accounting system.
• Prepares reports in required format, such as, court accountings, state charitable reports, guardianship reports, etc.
• Maintains, manages, and completes tickler file, calendar, and other records as reminders to execute upcoming events.
• Responds and interprets requests for checks, transaction activity, statement mailings, address changes, tax information, trust account reports, wires, etc. in accordance with account agreements and established procedures.
• Processes and analyzes incoming funds in accordance with account agreements and established procedures.
• Prepares daily work entries and general ledger tickets for trust/banking related transactions.
• Prepares documents and handles all aspects of account openings and closings.
• Prepares discretionary payment requests, administrative reviews, checklists, trust accountings, court reports, and other required documentation.
• Reviews and analyzes account overdrafts and takes appropriate action.
• Reviews account transactions for reasonableness and accuracy.
• Performs research to respond to internal and external inquiries.
• Assists with the preparation of proposals, presentations, and other related educational materials.
• Other department duties include research, organizing meetings, making reservations and special projects.
• Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to policies, procedures, and internal controls, and meet all training requirements in a timely manner

Ancillary Duties:

As an integral member of the Trust Department, this position is responsible to assist the department as well as the bank in achieving their goals.

Education, Training and Requirements:

• Associates degree in business or related field of study; paralegal; or high school diploma with equivalent business work experience

Skills:

• Highly organized; attentive to detail; strong oral and written communication skills; computer proficient; ability to use office equipment; strong interpersonal skills; ability to prioritize, multi-task and work independently; valid driver's license.

Experience:

• At least two years of customer service in banking/financial related field

Hours: 40hours/week

Compensation: Commensurate with experience plus potential for annual merit increase. In addition to your competitive salary, you will be rewarded benefits including: 11 paid holidays, paid vacation, Medical, Vision & Dental insurance, 401K with generous match, Pension, Tuition Reimbursement, Banking discounts and the list goes on!

Physical Requirements:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee may be required to stand, walk or sit. Use hands and fingers, handle or feel, reach with hands or arms, and speak and hear. The employee may occasionally be required to lift and or move up to 25 pounds. Specific vision abilities required by this job include close vision, and the ability to focus.

The Company is an Affirmative Action, Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, sexual orientation and gender identity), national origin, citizenship status, age, disability, genetic information, veteran status, or any other characteristic protected by applicable federal, state or local law.

The Company will make reasonable accommodations for qualified individuals with a disability. If you have a physical or mental impairment and would like to request an accommodation with respect to the application process, please contact the Human Resources Department.

Experienced Trusts & Estates Attorney

Location: Primarily Remote (Flexible/Variable Office Hours)

Position Type: Full‑Time

About the Role

Our firm is seeking a highly experienced Trusts and Estates Attorney with 5 plus years of experience to join our team. The ideal candidate will be fully versed in trust and estate law and capable of independently managing matters from initial client intake through final resolution. This is a great opportunity for someone who values autonomy, high‑quality legal work, and a flexible, mostly remote environment.

Litigation experience involving trusts and estates matters is highly valued and considered a significant plus, though not mandatory.

Key Responsibilities

The successful candidate will be expected to perform the full scope of duties typically required in a trusts and estates practice, including:

Estate Planning

• Conduct client consultations to understand goals, assets, and family dynamics
• Draft, review, and revise estate planning documents, including:
• Wills
• Revocable and irrevocable trusts
• Powers of attorney
• Advance health care directives
• Gift planning instruments
• Provide sophisticated tax planning advice related to federal estate, gift, and generation‑skipping transfer taxes
• Advise high‑net‑worth clients on wealth transfer strategies and succession planning

Trust & Estate Administration

• Guide trustees, executors, and beneficiaries through probate and non‑probate administration
• Prepare and file probate petitions and related court documents
• Marshal, inventory, and value assets
• Address creditor claims and supervise payment of obligations
• Coordinate preparation of estate, fiduciary, and gift tax returns
• Manage trust funding and distribution processes
• Interpret trust instruments and advise fiduciaries on compliance

Client Counseling & Case Management

• Manage matters independently with minimal supervision
• Maintain strong professional communication with clients, fiduciaries, beneficiaries, and co‑professionals
• Provide strategic advice, risk assessment, and clear explanations of complex legal matters
• Maintain organized case files and deadlines from intake to conclusion

(Optional but Preferred) Litigation

• Handle or assist with trust and estate disputes, including:

Will contests

Breach of fiduciary duty claims

Accounting disputes

Interpretation issues

Draft pleadings, motions, discovery, and negotiate settlements

Qualifications

• J.D. from an accredited law school
• Licensed and in good standing with the Utah state bar
• 5 plus years of trusts and estates experience
• Strong drafting, analytical, and communication skills
• Ability to work independently and manage a full caseload

Compensation & Benefits

We offer a competitive compensation package commensurate with experience, including:

• 100% employer‑paid health and dental insurance
• 401(k) plan
• Additional fringe benefits
• Primarily remote work environment with flexible, varying office hours

Company Description

Goede, DeBoest & Cross, PLLC is a respected law firm renowned for its dedication to achieving cost-effective legal solutions through strategic and thorough representation. With a tradition of integrity and strong client relationships, the firm prides itself on offering high-quality, professional legal services across diverse practice areas, including estate planning, community association law, corporate law, and litigation. Located in Naples, FL, the firm operates with a multidisciplinary approach, relying on in-house expertise to efficiently address complex legal matters. As a leader in the legal field, the firm is deeply committed to staying informed on legal developments and passionately advocates for its clients' best interests.

Role Description

This is a full-time role for a Trust & Estate Attorney based in Naples, FL, The Trust & Estate Attorney will be responsible for drafting, reviewing, and advising on trust and estate planning documents, researching legal issues, providing expert legal advice to clients, engaging in negotiations, and representing clients in probate and trust administration matters. Collaboration with the firm's multidisciplinary team to provide comprehensive legal service is a key aspect of the role.

Qualifications

• Strong expertise in Law, including Trusts & Estates, and familiarity with tax law would be helpful but not required.
• Proficiency in providing detailed and accurate Legal Advice to clients, ensuring adherence to applicable laws and regulations
• Demonstrated ability in Research and understanding of precedent to support legal opinions and strategies
• Strong organizational, time management, and project management skills
• Excellent oral and written communication skills, along with strong interpersonal abilities
• Juris Doctor (JD) degree from an accredited law school and active membership in the Florida Bar

Job description:

We are looking for a detail-oriented Legal Assistant to join a boutique firm specializing in Wills, Trusts, Estates, and Probate.

This position requires on-site work in WALPOLE, Massachusetts, due to the hands-on nature of the practice, including document management and client interactions.

Job Responsibilities:

• Prepare and assemble estate planning documents with precision and attention to detail.
• Facilitate Will signings, ensuring all legal requirements are met, including the presence of witnesses and a Notary.
• Scan, organize, and securely store executed documents immediately after signing.
• Handle physical mail distribution, including post office errands and coordinating client document drop-offs and pickups.
• Provide administrative support for estate planning and probate matters.
• Communicate effectively with clients to address inquiries and coordinate necessary documentation.
• Maintain a high level of confidentiality and professionalism in handling sensitive legal materials.
• Ability to work on-site and handle physical document management tasks.
• Exceptional organizational skills and attention to detail.
• Proficiency in handling secure storage systems for legal materials.
• Excellent verbal and written communication skills.
• Familiarity with legal signing requirements, including Notary and witness protocols.
• Demonstrated ability to maintain confidentiality and professionalism in a legal setting.
• Answer telephone calls, transfer calls to the appropriate staff and take messages when necessary
• Prepare, maintain and confirm daily work calendars, and schedule meetings
• Assist with travel arrangements, internal correspondence, reimbursements for attorneys and paralegals
• Read, sort and ensure incoming mail is timely delivered; ensure outgoing mail is processed
• Process bills; proofs billing sheets.

Job ID: 409993

Practice area:- Estate & Tax Planning,Tax - Private Client Services,Trusts and Estates - General

Private Wealth / Trusts & Estates Associate Attorney (3–5 Years Experience) – Top-Tier Am Law Firm | Washington, DC

Keywords:- Estate Planning Associate Attorney, Trusts and Estates Attorney, Private Wealth Associate Attorney, Estate and Tax Planning Attorney, Estate Attorney Washington DC, Washington DC legal jobs, Attorney jobs Washington DC, DC Bar required, Law firm trusts and estates associate, Partner-track position, lawyer,estate planning, gift tax, generation-skipping, dynasty trust, GRAT, QTIP trust, charitable trust, family wealth planning

A highly regarded Am Law firm is seeking a Private Wealth / Trusts & Estates Associate Attorney (3–5 years experience) to join its sophisticated private client services practice in Washington, DC. This role offers the opportunity to advise high-net-worth individuals, families, and fiduciaries on complex estate, gift, and tax planning matters.

This Estate & Tax Planning Attorney opportunity allows attorneys to work on sophisticated wealth transfer strategies, estate administration matters, and tax planning initiatives for prominent clients. Attorneys seeking Washington DC legal jobs in a collaborative, high-level private wealth practice will find this role both intellectually engaging and professionally rewarding.

The Trusts and Estates Associate Attorney will collaborate with senior attorneys and outside advisors while supporting high-net-worth clients on complex wealth planning strategies. This partner-track position offers significant exposure to advanced estate planning work and client advisory responsibilities.

This opportunity is actively interviewing candidates and represents a rare opening for attorneys seeking elite Washington DC legal jobs in private wealth law.

A preeminent firm with excellent name recognition and clout, this firm has been involved in many high-stakes, high-profile suits over the last few decades. Defying easy categorizations, though, associates at this firm also praise its commitment to work-life balance and the respectful mentorship delivered from senior partners. Additionally, this firm makes a strong showing in the of-the-moment privacy and data security arena, making it an excellent destination for those interested in this in-demand field.

________________________________________

Key Responsibilities

• Advise high-net-worth individuals, families, and fiduciaries on estate, gift, GST, and income tax planning strategies.

• Draft and review estate planning documents including wills, trusts, and charitable planning vehicles.

• Assist with the administration of estates and trusts, including filings, reporting, and distributions.

• Support senior attorneys in developing wealth transfer strategies, succession planning, and asset protection plans.

• Provide strategic guidance to clients on complex estate and tax planning issues.

• Collaborate with accountants, investment advisors, and other external advisors to structure effective wealth planning solutions.

• Participate in sophisticated estate planning matters involving high-net-worth families and family offices.

• Utilize fintech tools and modern client service platforms to enhance the private wealth client experience.

________________________________________

Qualifications

• Juris Doctor (JD) from an accredited law school.

• DC Bar required or eligibility to waive into the District of Columbia Bar.

• 3–5 years of experience practicing as an Estate & Tax Planning Attorney or Trusts and Estates Associate Attorney.

• Experience advising high-net-worth clients on estate planning and tax planning matters.

• Experience drafting estate planning documents such as trusts, wills, and wealth transfer structures.

• Prior law firm experience in a private wealth or trusts and estates practice.

• Strong analytical, drafting, and client advisory skills.

• Ability to collaborate effectively with multidisciplinary teams.

________________________________________

Education

• J.D. from an accredited law school.

________________________________________

Certifications

• Tax LL.M. or CPA preferred.

________________________________________

Skills

• Strong technical background in trusts and estates and tax planning.

• Ability to draft sophisticated estate planning documents.

• Strong analytical and problem-solving capabilities.

• Excellent client communication and advisory skills.

• Experience working with modern fintech tools for client service is advantageous.

________________________________________

Culture & Firm Appeal

This opportunity is with a preeminent Am Law firm recognized nationally for its high-profile legal work and sophisticated client base. The firm’s private wealth practice advises prominent individuals, families, and fiduciaries on complex estate planning and wealth transfer matters.

The firm has built a reputation for combining top-tier legal work with a supportive and collaborative culture. Associates benefit from direct mentorship from experienced partners and meaningful opportunities to develop their technical expertise early in their careers.

Professionals pursuing Washington DC legal jobs in private wealth law will appreciate the firm’s emphasis on work-life balance, professional mentorship, and respect for associate development. The firm’s culture encourages collaboration and long-term career growth.

Attorneys also benefit from working alongside colleagues engaged in cutting-edge areas of law, including emerging regulatory and privacy-related matters.

________________________________________

Why This Role Is Unique

• Opportunity to advise high-net-worth individuals and families on sophisticated estate planning strategies.

• Direct exposure to advanced wealth transfer planning and tax structuring.

• Collaborative work with accountants, investment advisors, and fiduciaries.

• Early responsibility and direct client advisory opportunities.

• Partner-track position within a nationally recognized private wealth practice.

• Ideal opportunity for attorneys seeking elite Washington DC legal jobs in trusts and estates law.

This position rarely opens at this level and provides a unique opportunity to build a long-term career advising sophisticated private wealth clients.

________________________________________

Call to Action

Apply now for a confidential discussion with a BCG Attorney Search recruiter.

Explore this elite-level opportunity today.

Submit your resume to learn more about this prestigious role.

________________________________________

BCG Attorney Search is the industry leader for placing candidates in permanent positions in law firms. Since 2000, our recruiters have placed several thousand attorneys and enjoyed extraordinarily high success rates with our candidates. As a BCG Attorney Search candidate, you have access to more opportunities than any legal placement firm in the United States. We are able to offer the most in-depth insight in the legal recruiting market thanks to our dedicated team of over 150 employees who mercilessly research, study and analyze the legal market. The depth and breadth of our research empowers us to place attorneys at rates that are unparalleled at any placement firm in the United States. Many of our recruiters make 30 to 40 placements per year, while recruiters at competitor firms are likely to make four or five. Unlike other placement firms that can only tell you about openings at major AmLaw firms, we place candidates of all backgrounds in firms of all sizes. While other legal recruiters only represent a narrow band of candidates from top law firms and top law schools, our research, firm contacts, and market insight allow us to place hundreds of candidates each year who do not fit this mold. It is rare that we do not get candidates we represent interviews and offers. No one in the world is better at legal recruiting and placement than BCG Attorney Search.

BCG Attorney Search will confidentially review your application and will not forward your materials to the firm without first discussing the opportunity with you.

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• Manage customer accounts on a personal basis that include resolving problems, providing customers with information and assistance regarding investment management, statements of accounts, taxes, and remittances.
  
• Direct the Trust Operations Department regarding daily account transactions such as wire and cash transfers, ACH disbursements, bill paying, and the opening and closing of accounts.
  
• Monitor transactions for completion and accuracy.
  
• Coordinate investment transactions with the Investment Department including but not limited to monitoring cash balances daily for purchases, transferring sales proceeds to money market accounts and following up on client's requests for purchases, sales or gifting.
  
• Coordinate the transfer of incoming assets to new or existing accounts, as well as the transfer of outgoing assets for terminating accounts.
  
• Prepare correspondence, Excel spreadsheets (i.e., miscellaneous reports for client budget worksheets, income projections and gifting schedules), assist with the production of PowerPoint presentations, and marketing materials.
  
• Coordinate and prepare tax-related payments information with clients and outside professionals.
  
• Provide information to Fiduciary Officers for client meetings.
  
• Organize with Fiduciary Officers to maintain client, beneficiary and advisor information in client files and account records on database management and trust accounting systems, assist with contact management input, sales, expense, and other internal reports.
  
• Keeps abreast of new regulations relative to trust administration and legal and tax consequences of investment decisions and strategies.
  
• Participate in community and business activities to enhance the image and position of the Bank and to develop new business for the trust department.
  
• Uphold Nicolet's philosophy and policies by maintaining appropriate controls to ensure full compliance with applicable laws and regulations, thereby fulfilling legal responsibilities and enhancing the quality of services provided by Nicolet.
  
• Understand and communicate the value of diversity within the workplace and to work successfully with others without regard to age, gender, race, sexual orientation, ethnicity, culture, religion, disability status, socioeconomic status, or other non-job-related classification, including a commitment to Nicolet's policies on equal employment opportunities and non-discrimination with a willingness to pursue efforts of inclusion and respect toward different perspectives.
  
• Performs all other duties as assigned.
  

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• Bachelor Degree in Finance or Business and/or equivalent experience in a financial institution or brokerage house.
  
• 3+ year's personal trust relationship management or related experience.
  
• Certified Trust and Financial Advisor (CTFA) certification or marked progress towards achieving and ability to attain within 2 years of employment.
  
• Client-centered focus with excellent strategic thinking and consultative skills.
  
• Strong organizational, multi-tasking and prioritizing skills.
  
• PC, phone system, general office equipment.
  
• Proficiency with Microsoft Office applications.
  
• Ability to maintain strict confidentiality.
  
• Ability to effectively promote Nicolet as bank of choice.
  
• Self-motivated and resourceful.
  

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• Medical, Dental, Vision, & Life Insurance
  
• 401(k) with a company match
  
• PT0 & 11 1/2 Paid Holidays
  

Job Category: Trust

Requisition Number: TRUST003177

Posted: June 5, 2025

Full-Time

Inlet Beach, FL 32461, USA

Trust Administrator I - Capital City Bank - More than your bank. Your banker.

Hours:

Monday - Friday

8 a.m. - 5 p.m.

General Summary

A Trust Administrator has the responsibility for the complete administration of accounts, typically involving the following types: trusts, guardianships, estates, or agencies. The core of this position is relationship management with a focus on prudent financial planning.

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

This position requires the associate to drive on behalf of the Bank and the associate must adhere to Bank's Motor Vehicle Guidelines.

Principal Duties and Responsibilities

• Maintains and grows book of business of high net worth families, individuals, and organizations through building relationships, providing excellent and professional client service, and cultivating active relationships with business professionals in the community.
• Develops new business and confers with potential clients within current book of business. Meets and exceeds sales goals established for new business. Also accompanies Business Development Officer on calls to prospective clients.
• Works with attorneys in matters relating to clients which includes reviewing drafts of estate planning documents for clients.
• Coordinates with external CPAs pertaining to tax issues relating to client needs.
• Sets up estates, trusts, guardianships, and agency accounts. Has the responsibility of building relationships with persons, agencies, and organizations that have an interest in any aspect of an account.
• Manages assigned accounts in accordance with terms specified in the trust instrument, agreement, or state statutes in a manner consistent with needs of the principals, and current and remainder beneficiaries. Additional requirements include consistent coordination with Portfolio Manager of account and client to establish the client's investment objectives and risk tolerance as well as managing ongoing changes in client needs.
• Makes account distributions per legal document and applicable law per set standards within the department. Completes monthly account reviews. All accounts should be in compliance with federal/state law and company policy.
• Completes and reports, monthly, pipeline activity.
• Represents the company in business and community activities.
• Responsible for staying current with federal, state, and tax laws pertaining to estate planning and fiduciary responsibility.
• 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 and Capital City Home Loans, with department managers setting the standard.

Associated Duties

Provides additional support to manager and department colleagues for the purpose of ensuring the efficient and effective functioning of the work unit.

Completes all assigned/required Bank training within established timelines.

Knowledge, Skills and Abilities (KSAs) Required

The following KSAs are usually acquired through college education with specialized business training course(s) and two to four years of related experience:

• At least two to four years of experience with trust law and administration, including regulations, rights of survivorship, and financial institution operating policies and procedures.
• Excellent verbal and written communication needed to develop client and professional relationships.
• Ability to prioritize and work unsupervised.
• Strong organizational skills and work ethic.
• Engages and thrives in regular interpersonal contact with clients, business professionals and colleagues.
• Proven success in handling multiple, diverse, and complex tasks.
• Proficient computer skills including expertise in Microsoft Office and ability to adapt to other computer programs as necessary to perform job function.

Education

Bachelor's degree in finance or related field required. Certified Financial Planner (CFP) designation or Certified Trust and Financial Advisor (CTFA) is preferred. Relevant experience may substitute for the education requirement.

Working Conditions

• Professional office atmosphere.
• Fast-paced.
• 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 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.