Mortgage Originator- Remote

Capital Bank N.A. is headquartered in Maryland and has been serving our communities since 1999. 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.The Mortgage Loan Underwriter is responsible for evaluating and analyzing mortgage loan applications to determine the creditworthiness of borrowers and ensure compliance with federal, state, and company regulations. This role involves assessing financial documents, credit reports, property appraisals, and income information to make informed decisions on loan approvals, conditions, or denials. The underwriter ensures that each loan meets the bank’s risk standards while supporting a smooth and efficient loan origination process.

Provide underwriting and eligibility support to other Capital Bank departments as needed

Underwrite FHA, VA, USDA, Conventional, Non-Agency, and Jumbo loan products in accordance with company policy and investor overlays

Perform new and established condominium project reviews, including warranty and eligibility determinations, in accordance with agency and investor guidelines

Analyze loan documentation and data for accuracy, completeness, and overall soundness

Identify and assess credit, income, asset, and collateral risk factors

Review appraisals and collateral documentation, including condominium and PUD projects

Support Loan Officers during the borrower qualification and structuring process

Remain current on investor, agency, and regulatory guideline updates impacting underwriting and condominium project eligibility decisions

High School Diploma or equivalent required

Minimum of five years of experience underwriting agency mortgage loans

Housing Finance Agency experience required (DC, DE, FL, VA, MD preferred)

Bachelor’s degree preferred

Strong teamwork and customer service orientation

Proficiency with Fannie Mae Desktop Underwriter and Freddie Mac Loan Product Advisor

Advanced income analysis, including complex self-employed and variable income scenarios

Credit risk analysis and interpretation

Appraisal and collateral review, including condominium and PUD projects

Ability to accurately interpret and apply agency, investor, and condominium project guidelines

This role will include a yearly annual target bonus based on individual performance.

This is a 100% remote role

We’re currently hiring only within our core locations, which include 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).

Comprehensive benefits package including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more?

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

Helping People. Strengthening Communities.

Capital Bank, N.