Mortgage Loan Originator

About Us

Capital Bank N.A. is headquartered in Maryland and has been serving communities since 1999. It is a publicly traded company (NASDAQ: CBNK) with over $3 billion in assets, offering commercial and consumer banking services in Maryland, DC, and Northern Virginia, plus nationwide lending brands Capital Bank Home Loans and Open Sky credit card division.

Our personalized approach, cutting‑edge technology, and comprehensive products drive growth and support customers throughout their financial journey.

We are hiring experienced Mortgage Loan Originators (MLO) or teams to proactively identify, develop, and maintain a quality network of external relationships and COIs that generate referrals for new mortgage lending opportunities. The MLO performs a wide range of duties related to the origination of residential mortgage loans while providing excellent customer service and managing the pipeline.

• Market residential mortgage loan products to real estate agents, prospective home buyers, and builder sales representatives.
• Spend at least 25% of the workday conducting marketing activities and closing business outside the work‑site, including home office.
• Originate loan applications ensuring correct pricing, fulfillment of investor guidelines, compliance with federal and state banking credit, and non‑discrimination regulations.
• Assist processors in securing needed documentation for loan approval.
• Continuously review investor guidelines to remain current with agency (FNMA, FHLMC, GNMA, MHF) and individual investor requirements.
• Maintain high levels of customer service while managing each applicant’s and support staff’s expectations.

• Minimum of 3 years’ experience originating residential mortgages.
• Preferred experience originating loans for sale to FNMA, FHLMC, GNMA, and/or CDA.
• Required experience using a mortgage loan management system;
  Encompass experience highly preferred.

• Strong interpersonal, communication, and customer service skills.
• Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint, Outlook).

• 100% remote role.
• Hiring limited to core locations:
  Maryland (MD), District of Columbia (DC), Virginia (VA), Pennsylvania (PA), Delaware (DE), Indiana (IN), Illinois (IL), South Carolina (SC), Florida (FL), and North Carolina (NC).

• 100% commission‑based role.

• Growing company with an entrepreneurial culture.
• Comprehensive benefits package including Medical, Dental, Vision, Company‑Paid Life Insurance, Disability Insurance, and more.
• Company contributions to your 401(k) regardless of your contribution.
• Employee perks:
  Paid Parental Leave, Recognition Program, Leadership Program, Tuition Reimbursement, Bank Checking Account, and more.
• Generous Paid Time Off, Paid Holidays, and Paid Charity Hours.

Capital Bank, N.A. is an affirmative action, E‑Verify, and equal opportunity employer.