---
title: 'Mortgage Loan Processor at Capital Bank'
canonical: 'https://feeny.ai/job/mortgage-loan-processor-capital-bank-united-states-26pwt11r8ybg'
type: 'job'
last_seen: '2026-10-27'
---

# Mortgage Loan Processor at Capital Bank

- **Company:** Capital Bank
- **Location:** United States
- **Work type:** remote
- **Posted:** 2026-10-22
- **Last confirmed live:** 2026-10-27
- **Apply:** https://job-boards.greenhouse.io/capitalbank/jobs/4464390009

## 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.

Position Purpose

The Mortgage Loan Processor works closely with loan originators to process mortgage loans in order to provide a best-in-class customer experience. The Processor receives the application online in and must have the ability to quickly review for accuracy and completeness, advise the LO as to viability of loan at first glance and then must acquire necessary documents to submit to underwriting for final approval.

Position Responsibilities

- Calculates principal, interest and closing cost amounts and notifies the borrower accordingly
- Prepares mortgage loan files by reviewing loan applications and clarifying and/or obtaining additional information
- Confirms mortgage loan application information by corresponding with verification sources
- Obtains mortgage loan documentation by ordering credit reports, land surveys, building appraisals, titles and related information
- Identifies mortgage loan application and documentation problems by highlighting deficiencies and notifying the mortgage loan underwriter and/or mortgage loan supervisor accordingly.
- Calculates principal, interest and closing cost amounts and notifies the borrower accordingly
- Processors should be able to disclose new loans, issue COC’s and complete the set up function of their loans

## 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.
- Experience processing conventional, FHA and VA loans
- 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: $25.00 - $32.00 hourly. Final determination of where you are at in the salary range is based on numerous factors such as geographical location, relevant experience, skill set, education, and ability to meet qualifications within the job description.
- Additional Compensation: This role will include a yearly annual target bonus based on individual performance.

Working Arrangements

-

- This is a 100% remote role.
- We are 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), 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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