---
title: 'Mortgage Loan Officer Assistant at Capital Bank'
canonical: 'https://feeny.ai/job/mortgage-loan-officer-assistant-capital-bank-united-states-w4cneycgzxq3'
type: 'job'
last_seen: '2026-09-15'
---

# Mortgage Loan Officer Assistant at Capital Bank

- **Company:** Capital Bank
- **Location:** United States
- **Work type:** remote
- **Posted:** 2026-08-13
- **Last confirmed live:** 2026-09-15
- **Apply:** https://job-boards.greenhouse.io/capitalbank/jobs/4369504009

## Job description

## About Us

Capital Bank N.A. is headquartered in Maryland and has been serving our communities since 1999. We stand as a publicly traded company (NASDAQ: 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.S. by American Banker.

Capital Bank Home Loans (CBHL), 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. 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

The Loan Officer Assistant (LOA) works closely with an assigned Mortgage Loan Officer(s) (MLO) and processors to manage the MLO’s pipeline effectively.  The Assistant is responsible for customer interaction, database management, and setting up loan packages.  The LOA analyzes the loan to ensure that all documentation and income is in line with mandated loan guidelines.  The LOA provides close support in all marketing efforts for the assigned MLO including lead follow-up, assistance with creating collateral and liaising with Bank compliance.

Position Responsibilities

- Supports the MLO in production and marketing efforts.
- Assists the MLO in co-managing the pipeline for current closings.
- Communicates with new potential customers and assists customers with the application process.
- Reviews and analyzes all income and asset documentation to ensure the documentation supports the data in Encompass
- Following leads and creates collateral for the MLO’s marketing efforts.
- Assists MLO with pricing and structuring loan including guideline assistance
- Discloses loan accurately and completely sending application package to the borrowers for signature.
- Following up with borrower to obtain signed application and supporting documents
- Reviews application and disclosures for completeness.
- Reviews borrower supporting documentation to ensure completeness and accuracy.
- Contacts borrower for any missing or unsigned documentation
- Acts as a liaison between the borrower and the processor to ensure all items from the documentation list are received and are accurate.
- Update disclosure tracking screen for Intend to Proceed
- Confirm credit card authorization has been received and is complete
- Review all income and asset documentation to ensure the documentation supports the data in Encompass
- Make note of discrepancies and notify MLO and Processor of potential issues
- Review income documentation and loan application to determine what kind of VOE to order (verbal or full)
- Works with MLO regarding missing/requested items.
- Updates conversation logs in Encompass

## Minimum Education & Experience

- Recent experience in the mortgage industry as an assistant, loan processor or loan officer is required.
- Must have knowledge of lending terminology and the ability/experience speaking with borrowers regarding lending requirements.
- Proven customer service ability is required.

Technical Knowledge and Skills

- Microsoft office software suite (Word, Excel, PowerPoint, etc)
- Encompass
- Excellent oral and written communication skills

## Compensation

- Base Salary Range: Hourly. Final determination of where you are at in the salary range is based on numerous factors such as geographic location, relevant experience, skill set, education, and ability to meet qualifications within the job description.

Working Arrangements

- This is a hybrid remote role.
- We are currently looking to hire only within our core locations which include Maryland (MD), District of Columbia (DC), Virginia (VA), Pennsylvania (PA), Delaware (DE), Indiana (IN), Illinois (IL), North Carolina (NC), South Carolina (SC), Florida (FL).

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 E-Verify, Affirmative Action and Equal Opportunity Employer.

## About Capital Bank

## Company Overview
- **One-liner**: Capital Bank is the community banking division of Chemung Canal Trust Company, offering personal and business banking, wealth management, and trust services to individuals and businesses in New York.
- **Entity Type**: Division of Chemung Canal Trust Company (Public, NASDAQ: CHMG)
- **Headquarters**: Elmira, New York, USA
- **Founded**: 1833 (as Chemung Canal Trust Company; Capital Bank brand operates under this charter)
- **Founders**: Not publicly named (the parent company was founded in 1833 by a group of local business leaders)

## Core Business
- **Primary industry**: Community banking, wealth management, retirement services
- **Target customers**: Individuals, small-to-medium businesses (SMBs), and local enterprises in New York communities (B2C & B2B)
- **Mission statement**: “To remain a strong and independent financial institution that creates value for shareholders, customers, employees, and the communities we serve, all while upholding the highest ethical standards.” [capitalbank.com/who-we-are/](https://www.capitalbank.com/who-we-are/)

## Products & Services
- **[Personal Banking]**: Checking, savings, mortgage, and consumer lending – designed for local individuals and families. [capitalbank.com](https://www.capitalbank.com/)
- **[Business Banking]**: Business loans, treasury management, and commercial deposit accounts for local businesses. [capitalbank.com](https://www.capitalbank.com/)
- **[Wealth Management]**: Investment management, financial planning, and trust & estate administration through a dedicated team of CFAs, CTFAs, and CFP® professionals. [capitalbank.com/team/](https://www.capitalbank.com/team/)
- **[Retirement Services]**: 401(k) plan administration, retirement plan management, and advisory services for businesses and individuals. [capitalbank.com/team/](https://www.capitalbank.com/team/)
- **Service type**: On-site branch banking, relationship-based advisory, and digital banking (online/mobile).

## Market Standing
- **Valuation/Market Cap**: Not separately disclosed for the Capital Bank brand; parent company Chemung Canal Trust Company (CHMG) has a market cap of approximately $200–$300 million (as of 2025, based on public filings – no precise figure in provided sources).
- **Key Metric**: Not publicly available for the division; parent company revenue historically around $80–$100 million annually (proxy from public filings). The bank is described as “the oldest locally owned and managed community bank in New York” with over 190 years of continuous operation. [capitalbank.com](https://www.capitalbank.com/)
- **Notable Investors/Partners**: Part of a publicly traded trust company; no external venture investors. Community partnerships include local nonprofits and business organizations. [capitalbank.com/career/](https://www.capitalbank.com/career/)
- **Growth Signals**: Emphasis on talent development programs (internal leadership program, mentorship, career circles); continues to expand wealth management and retirement services teams; strong community engagement (volunteering, sponsorships). [capitalbank.com/career/](https://www.capitalbank.com/career/)

## Competitive Advantages
- **Longevity & Trust**: Over 190 years of stable, local operations build deep community relationships and brand trust.
- **Independent Governance**: 13 of 14 board members are independent, ensuring impartial oversight and ethical decision-making. [capitalbank.com/who-we-are/](https://www.capitalbank.com/who-we-are/)
- **Personalized Service**: “Platinum Promise” philosophy based on mutual respect, open communication, and accountability, differentiating from larger national banks. [capitalbank.com/who-we-are/](https://www.capitalbank.com/who-we-are/)
- **Integrated Wealth & Banking**: Full suite of wealth management (CFAs, CFP®) combined with traditional banking under one roof.

## Strategic Focus
- **Community Banking Leadership**: Continue to grow local market share while maintaining high-touch, personalized service.
- **Wealth Management Expansion**: Adding seasoned investment officers and retirement plan specialists to deepen advisory capabilities. [capitalbank.com/team/](https://www.capitalbank.com/team/)
- **Talent Development**: Investing in career development programs (job shadowing, mentoring, leadership program) to attract and retain top talent. [capitalbank.com/career/](https://www.capitalbank.com/career/)
- **Digital Modernization**: Maintaining online/mobile banking while preserving in-branch relationships.

## Why Work Here
- **Culture**: “Attracts top talent, nurtures career growth, and recognizes achievements” – collaborative, customer-first environment. [capitalbank.com/career/](https://www.capitalbank.com/career/)
- **Work Policy**: Not explicitly remote/hybrid; typical community bank roles are on-site at branches in New York, though some back-office/flexibility may exist.
- **Benefits Package**:
  - Health, dental, vision, and life insurance
  - Profit sharing / 401k plan
  - Paid time off, flexible spending/HSA accounts
  - Tuition reimbursement, continuing education
  - Career development programs (leadership program, mentoring, career circles)
  - Short/long-term disability, employee assistance program
  - Free parking, wellness benefits (gym reimbursements, wellness events)
  - Employee discounts and community involvement opportunities [capitalbank.com/career/](https://www.capitalbank.com/career/)
- **Engineering Culture**: Not tech-focused; employees are banking professionals, relationship managers, and trust officers. Technology roles likely limited.

## Sources
1. [capitalbank.com](https://www.capitalbank.com/)
2. [capitalbank.com/career/](https://www.capitalbank.com/career/)
3. [capitalbank.com/who-we-are/](https://www.capitalbank.com/who-we-are/)
4. [capitalbank.com/team/](https://www.capitalbank.com/team/)
5. [job-boards.greenhouse.io/capitalbank](https://job-boards.greenhouse.io/capitalbank)

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