Mortgage Loan Originator- Ocean City, MD

6 days ago


Rehoboth Beach, United States Capital Bank Full time
Description

About Us
Capital Bank N.A. is headquartered in Maryland, serving our communities since 1999. We offer commercial and consumer banking services to clients in the DC metro area, 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.

Capital Bank Home Loans, 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.

Come join a bank where our employees thrive and are engaged in meaningful work. For the last 4 out of 5 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker. 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

  • Market residential mortgage loan products to real estate agents, prospective homebuyers and/or builder sales representative.
  • Spend 25% or more of the workday conducting marketing activities and closing business outside of 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 the processor in securing needed documentation as required for loan approval.
  • Constantly review investor guidelines, in order to remain current with agency (FNMA, FHLMC, GNMA, MHF) and individual investor guidelines.
  • Maintain high levels of customer service while managing each applicant's and support staffs expectations.

Minimum Education & Experience

  • 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.

Technical Knowledge and Skills

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

Working Arrangements

  • This is a role is 100% remote.

Compensation

  • This is a 100% commission-based role.

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 Affirmative Action, E-Verify, and Equal Opportunity Employer.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

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