Mortgage Loan Originator Remote

Capital Bank N.A. is a publicly traded company headquartered in Maryland, serving our communities since 1999. It offers commercial and consumer banking services primarily in Maryland, DC, and Northern Virginia, along with two nationwide lending brands:
Capital Bank Home Loans and Open Sky, a credit card division that services credit cards across all states.

We are hiring experienced Mortgage Loan Originators (MLO) or MLO teams who proactively identify, develop, and maintain a quality network of external relationships and COIs that serve as a source of 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 effectively managing the pipeline.

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

• A minimum of 3 years’ 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.
• Strong interpersonal, communication, and customer service skills.
• Proficient in Microsoft Office Suite including Word, Excel, PowerPoint, and Outlook.

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

• This is a 100% commission‑based role.

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

• 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, 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.

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