Mortgage Loan Originator

Capital Bank; United States; Remote; USD 60,000 - 100,000; Full time

Benefits offered by this job

Medical benefits

Dental benefits

Vision benefits

Company paid life insurance

Disability insurance

401k

Job summary

Capital Bank N.A. is seeking experienced Mortgage Loan Originators to proactively identify and develop a robust referral network for residential loans, while delivering excellent customer service throughout the origination process.

This 100% remote role offers commission-based pay and supports a nationwide lending platform with opportunities for growth and strong support from Capital Bank Home Loans.

Qualifications

• Strong interpersonal, communication and customer service abilities.
• Experience delivering exceptional service to mortgage clients.
• Proficient with standard office tools and mortgage platforms.

Responsibilities

• Market residential mortgage products to real estate agents and homebuyers.
• Develop and nurture a network of referrals to source loans.
• Assist processors and ensure loan documentation aligns with investor guidelines.

Skills

Interpersonal skills

Customer service

Education

3+ years residential mortgage origination

Tools

Encompass

Job description

About Us

Capital Bank N.A. is headquartered in Maryland and has been serving our communities since 1999. We stand as a publicly traded company (NASDAQ: CBNK) with over $3 billion in assets. We offer commercial and consumer banking services to clients primarily in Maryland, DC, and Northern Virginia, alongside two nation-wide lending brands; Capital Bank Home Loans and OpenSky, a credit card division that offers and services credit cards across all states. Our personalized approach to banking, paired with cutting-edge technology solutions and a comprehensive suite of products and services, fuels our growth, and enables us to support our customers at every stage in their financial journey.

Come join a bank where our employees thrive and are engaged in meaningful work. For the last 6 out of 7 years, Capital Bank was named one of the “Best Banks to Work For” in the U.S. by American Banker.

Capital Bank Home Loans (CBHL)

a division of Capital Bank N.A., is a premier nationwide mortgage lender. We deliver over $1BLN in new mortgage originations annually with a 50 state platform, in house underwriting and closing, and excellent pricing and products. We invested in digitizing our online mortgage application process to help expedite home buying or refinancing for our customers.Many top ranked mortgage lenders have joined Capital Bank Home Loans and we are looking to grow the business further by bringing in branches or independent originators.

Position Purpose

We are currently hiring experienced Mortgage Loan Originators (MLO) or Teams who proactively identify, develop and maintain a quality network of external relationships and COI’s that serve as a source of referrals for new mortgage lending opportunities. The Mortgage Loan Originator performs a wide range of duties related to the origination of residential mortgage loans while providing excellent customer service and effectively managing the pipeline.

Position Responsibilities

• Marketresidential mortgage loan products to real estate agents, prospective homebuyers and/or builder sales representative.
• Spend25% or more of the workday conducting marketing activities and closing business outside of the work-site (including home office).
• Originateloan applications ensuring correct pricing, fulfillment of investor guidelines, compliance with federal and state banking credit, and non-discrimination regulations.
• Assistthe processor in securing needed documentation as required for loan approval.
• Constantly reviewinvestor guidelines, in order to remain current with agency (FNMA, FHLMC, GNMA, MHF) and individual investor guidelines.
• Maintainhigh levels of customer service while managing each applicant’s and support staffs expectations.

Minimum Education & Experience

• A minimum of 3years’ work experience originating residential mortgages.
• Experience in originating loans for sale to FNMA, FHLMC, GNMA and/or CDA preferred.
• Experience using a mortgage loan management system is required; Encompass experience highly preferred.

Technical Knowledge and Skills

• Strong interpersonal, communication and customer service skills.
• Proficient in Microsoft Office Suite including Word, Excel, PowerPoint, and Outlook.

Compensation

• This is a 100% commission-based role.

Working Arrangements

• This is a 100% remote role.
• We are currently looking to hire only within our core locations which include Maryland (MD), District of Columbia (DC), Virginia (VA), Pennsylvania (PA), Delaware (DE), Indiana (IN), Illinois (IL), North Carolina (NC), South Carolina (SC), Florida (FL).

Why Join Us?

• Join a growing company with a culture that fosters an entrepreneurial spirit
• Comprehensive benefits package including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more?
• Company Contributions to your 401k - Regardless of your contribution
• Employee Perks: Paid Parental Leave, Employee Recognition Program, Leadership Program, Tuition Reimbursement Program, Employee Bank Checking Account, and much more!
• Generous Paid Time Off and Paid Holidays - Including Paid Charity Hours to support volunteer opportunities

Supporting Businesses. Helping People. Strengthening Communities.

Capital Bank, N.A. is an E-Verify, Affimative Action and Equal Opportunity Employer.