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Residential Mortgage Specialist
2 months ago
Capital Bank Home Loans, a division of Capital Bank N.A., stands as a leading nationwide mortgage provider.
With an impressive track record of over $1 billion in new mortgage originations each year, we operate across all 50 states, offering in-house underwriting and closing services along with competitive pricing and diverse product offerings.
Our commitment to enhancing the customer experience is evident in our investment in a streamlined online mortgage application process, designed to facilitate home buying and refinancing.
For the fourth consecutive year, American Banker has recognized Capital Bank as one of the "Best Banks to Work For" in the United States.
We are eager to expand our team by welcoming branches or independent originators to join our ranks.
Position OverviewWe are actively seeking seasoned Mortgage Loan Originators (MLO) or teams who excel at identifying, cultivating, and sustaining a robust network of external relationships and centers of influence (COIs) that generate referrals for new mortgage lending opportunities.
The Mortgage Loan Originator is responsible for a comprehensive range of tasks associated with the origination of residential mortgage loans, ensuring exceptional customer service while effectively managing the loan pipeline.
Key Responsibilities- Promote residential mortgage loan products to real estate professionals, potential homebuyers, and builder sales representatives.
- Dedicate at least 25% of your workday to marketing initiatives and closing business outside of the primary work location.
- Process loan applications, ensuring accurate pricing and adherence to investor guidelines, as well as compliance with federal and state banking regulations.
- Assist the processing team in obtaining necessary documentation for loan approval.
- Continuously review investor guidelines to stay updated with agency (FNMA, FHLMC, GNMA, MHF) and individual investor requirements.
- Maintain exceptional customer service standards while managing the expectations of applicants and support staff.
- A minimum of 3 years of experience in originating residential mortgages.
- Experience in originating loans for sale to FNMA, FHLMC, GNMA, and/or CDA is preferred.
- Proficiency in using a mortgage loan management system is essential; experience with Encompass is highly desirable.
- Strong interpersonal, communication, and customer service abilities.
- Proficient in Microsoft Office Suite, including Word, Excel, PowerPoint, and Outlook.
This role offers the flexibility to work in a remote environment.
Supporting Businesses. Helping People. Strengthening Communities.
Capital Bank, N.A. is an Affirmative Action, E-Verify, and Equal Opportunity Employer.
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