Capcenter Jobs in Usa

CapCenter is seeking a Closing Consultant to help pursue our mission: simplifying the homeownership journey with consolidated services, transparent pricing, and most importantly, a client-centric philosophy. This is a high growth role that we actively promote into operations and sales opportunities within 18 months.

In the Closing Consultant role, you’ll be the primary point of contact for CapCenter clients who are on the path to close a loan. Closing Consultants analyze our clients’ applications and supporting documents to ensure each loan meets our rigorous underwriting standards. Alongside your analysis, you’ll guide our clients, working internally with realtors, loan officers, underwriters, and insurance advisors so that all parties are set up for success at closing.

Here’s what you’ll need to know about the role, our team, and what it takes to succeed at CapCenter.

You will



In your first 30 days, you will:

• Secure an NMLS license (we’ll sponsor it!)
• Become a subject matter expert on lending
• Complete our introductory Consultative Sales training course

In your first 90 days, you will:

• Act as a trusted advisor and advocate for our clients as they prepare for closing
• Work collaboratively with others to ensure accuracy and efficiency at each step of the way
• Build on your communications and underwriting knowledge through learning modules, proprietary training, and live coaching
• Complete a self-assessment to build a blueprint for career progression at CapCenter

You are

• A critical thinker: we’re happy to teach the content, but you should be hungry to learn, comfortable thinking on your toes, and adept at solving problems.
• A communicator: most Americans buy less than five homes in their life – it's critical that you build trust, distill complex financial concepts simply, and listen actively.
• Self-aware: you’re looking for an opportunity to develop your strengths and weaknesses
• Driven to help others: you want to do good
• Ambitious: you want to do well
• A college graduate with a bachelor's degree

We hire for talent, not experience. You should be a solutions-oriented thinker who is not afraid to roll up your sleeves and tackle challenging problems.

You’ll get

• NMLS Certification
• Competitive salary, variable pay & annual bonus
• 401k (with matching!), health, dental, & vision
• Training to learn the home-ownership experience back to front.
• To participate in cross-functional collaboration that fosters lateral and vertical career growth
• The opportunity to help people through one of the most stressful and important transactions of their lives.

Our culture is growth oriented. Past Loan Analysts have been promoted into sales, operations, team lead, and market management roles.

Position Overview

The Vice President of Mortgage Production has end-to-end ownership of CapCenter's direct-to-consumer lending operation, leading all functions from initial customer engagement through loan closing. This role oversees loan consultants, processing, underwriting, and closing consultants—ensuring seamless coordination across teams to deliver exceptional borrower experiences, industry-leading cycle times, and consistent volume growth.

Key Responsibilities

End-to-End Production Ownership

• Own all production KPIs: funded volume, pull-through rates, cycle time, cost per loan, and customer satisfaction
• Ensure smooth handoffs and coordination between loan consultants, processors, underwriters, and closing consultants
• Identify and eliminate bottlenecks across the entire loan lifecycle
• Balance capacity across functions to match pipeline demand and prevent backlogs

Loan Consultant Leadership

• Oversee the team responsible for converting inbound leads into qualified applications
• Develop consultative sales processes aligned with CapCenter's direct-to-consumer model
• Establish conversion benchmarks, call quality standards, and performance accountability
• Drive coaching and development programs that improve close rates and customer experience

Processing and Closing Management

• Oversee closing consultants responsible for final borrower communication and document coordination
• Lead processing and underwriting teams to meet quality and turn-time standards
• Ensure consistent application of investor guidelines and agency requirements
• Monitor condition quality, revision rates, and first-submission approval rates
• Partner with leadership on underwriting policy decisions and guideline interpretation

Operational Excellence & Technology

• Champion process improvements, automation, and technology adoption across all production
• Partner with IT and vendors on Encompass optimization and workflow enhancements
• Leverage data and reporting to identify trends, diagnose issues, and drive continuous improvement
• Support AI and automation initiatives that increase efficiency without sacrificing quality

Marketing & Capacity Planning

• Collaborate with marketing on lead flow forecasting and alignment with production capacity
• Provide feedback on lead quality and channel performance to optimize acquisition spend
• Develop staffing models and capacity plans based on volume projections and seasonal trends

Strategic Leadership

• Develop and manage production budgets across all functions
• Report to executive leadership on production performance, trends, and strategic opportunities
• Represent production in cross-functional decisions affecting the borrower journey
• Evaluate new products, process changes, or technology investments from a production feasibility perspective

Compliance & Quality Control

• Ensure all production activities meet federal and state regulatory requirements
• Partner with compliance and QC on audit findings, loan file quality, and fair lending
• Maintain appropriate controls around disclosures, documentation standards, and investor guidelines

Qualifications

Required

• 12+ years in mortgage lending with progressive leadership across multiple functions
• Direct management experience in at least two of: sales/origination, processing, underwriting, or closing
• Proven success in a direct-to-consumer, centralized, or call center lending environment
• Deep knowledge of conventional and government loan programs and AUS systems (DU, LPA, FHA TOTAL, VA)
• Strong understanding of investor guidelines and secondary market requirements
• Experience with Encompass or similar LOS platforms
• Data-driven, metrics-focused leadership style
• Active NMLS license

Preferred

• Experience leading full production operations (sales through closing) in a single role
• Background in process improvement, lean operations, or Six Sigma methodologies
• Familiarity with AI/automation applications in mortgage lending
• Track record of significant cycle time reduction or pull-through improvement

About This Role

This isn't a traditional engineering role where you'll receive detailed specifications and build to order. We're looking for someone who digs into problems firsthand—someone who asks "why" until they truly understand what's broken, then builds the solution themselves.

If you've ever been frustrated by the gap between people who understand the customer and people who can build technology, this role exists because we share that frustration. We want someone who can do both.

What You'll Do

You'll use AI tools—particularly Claude Code and the Claude platform—to build solutions that solve real problems in mortgage lending. Not proofs of concept. Real tools that people use every day.

Examples of problems you might tackle:

• Loan conditions arrive from Fannie Mae, Freddie Mac, VA, and FHA in different formats. Loan officers spend hours reconciling them. Build something that consolidates and deduplicates them automatically.
• Underwriters spend significant time on tasks that could be automated, but "that's how it's always been done." Identify which tasks, understand why, and build the automation.
• Compliance requirements evolve constantly. Build systems that can adapt without requiring lengthy development cycles.

You won't always be handed a clear spec. You'll often be handed a problem—sometimes a vague one—and expected to dig in until you understand it well enough to solve it.

What We're Looking For

Required:

• You can build working software. You don't need a team of engineers to ship something useful. Claude Code, Python, JavaScript, APIs—you're comfortable getting hands-on.
• You go deep on problems. When someone says "we need a dashboard," you ask what decision they're trying to make. When they say "it takes too long," you ask how long, why, and what happens as a result.
• You're persistent. You don't hear "that's not possible" and stop there. You get curious and look for another way.
• You communicate well across audiences. Executives, loan officers, underwriters, compliance teams—you can work with all of them effectively.

Preferred:

• Bachelor's degree in Business, Computer Science, or related field
• Experience in mortgage lending, financial services, or another regulated industry
• Hands-on experience with AI coding tools (Claude Code, Copilot, Cursor, or similar)
• Background that spans both business and technical work—perhaps you started in analysis and taught yourself to code, or you're an engineer who consistently finds yourself thinking about the customer problem

What matters most:

We care less about your pedigree and more about your ability to solve problems and work well with others while doing it.

Why This Role Exists

We're a 200-person mortgage lending organization, and we believe AI is going to fundamentally change how our industry operates—not by replacing people, but by making our people dramatically more effective.

We're moving away from the traditional model where business teams write requirements, hand them to engineers, and hope the result matches the intent. We want to build a team of people who can understand the problem deeply and build the solution directly. Fewer handoffs. Faster iteration. Better outcomes.

If that resonates with you, we'd like to talk.

How To Apply

Please send:

1. Your resume
2. Something you've built — a link, screenshot, GitHub repo, or brief walkthrough. It doesn't need to be polished. We want to see how you approach problems.
3. A short note (a few sentences) about a problem you investigated deeply and what you learned from it

Position Summary

The Mortgage Servicing Administrator performs day-to-day loan servicing functions for CapCenter’s mortgage servicing portfolio, with a primary focus on escrow administration, payment processing, and custodial account management. This role is critical to ensuring compliance with GSE servicing requirements (Fannie Mae and Freddie Mac) and maintaining accurate borrower account records within CapCenter’s servicing platform.

The ideal candidate brings hands-on experience in mortgage loan servicing operations, a strong understanding of escrow management workflows, and the ability to execute detailed procedures in a regulated environment. Essential duties and responsibilities include but are not limited to the following.

Escrow Administration

• Perform annual escrow analyses, including surplus disbursements, shortage collection, and deficiency resolution in accordance with RESPA requirements.
• Process escrow disbursements for property taxes, homeowner’s insurance, mortgage insurance, and flood insurance, ensuring timely payments to taxing authorities and insurance carriers.
• Monitor escrow accounts for accuracy, reconcile discrepancies, and resolve borrower inquiries related to escrow balances and adjustments.
• Manage escrow cushion calculations and ensure compliance with aggregate accounting requirements.
• Process insurance loss draft claims and track disbursement of funds for property repairs.

Payment Processing & Loan Administration

• Process and apply borrower payments including regular monthly payments, principal curtailments, and payoff proceeds.
• Monitor and manage suspense accounts, ensuring unapplied funds are properly resolved within required timeframes.
• Process ACH/recurring payment enrollments and manage payment reversals, NSF transactions, and payment corrections.
• Assist with loan boarding activities for newly originated or acquired loans, verifying data integrity across servicing system fields.
• Generate and distribute periodic borrower statements, payment histories, and year-end tax documents (1098s).

Custodial Accounting & Reporting

• Support custodial account reconciliation processes, ensuring proper separation between investor funds (P&I and T&I custodial accounts) and corporate operating accounts.
• Assist with preparation of investor remittance files and reporting to Fannie Mae and Freddie Mac as required.
• Maintain accurate records supporting net servicing fee calculations and servicer revenue recognition.

Compliance & Quality Control

• Execute servicing functions in compliance with Fannie Mae Servicing Guide, Freddie Mac Servicing Guide, RESPA, TILA, Regulation E, and other applicable federal and state regulations.
• Participate in quality control reviews and internal audits, assisting with remediation of identified deficiencies.
• Maintain organized documentation and audit trails for all servicing transactions.
• Assist with regulatory exam preparation and respond to examiner information requests as directed.

Borrower Communication & Support

• Serve as a point of contact for borrower inquiries related to escrow, payment application, and general servicing questions.
• Draft and process borrower correspondence including escrow analysis statements, payment change notices, and regulatory disclosures.
• Support early-stage delinquency outreach and loss mitigation intake activities as needed.

Required Qualifications

• Minimum 2–4 years of experience in mortgage loan servicing operations.
• Demonstrated experience in escrow administration, including annual escrow analysis, tax and insurance disbursements, and escrow shortage/surplus processing.
• Working knowledge of RESPA, TILA, Regulation E, and GSE servicing requirements (Fannie Mae and/or Freddie Mac).
• Experience with mortgage servicing platforms (FICS Mortgage Servicer experience strongly preferred).
• Proficiency in Microsoft Office Suite, particularly Excel for reconciliation and data validation tasks.
• Strong attention to detail and ability to work accurately in a deadline-driven, compliance-focused environment.
• Bachelor’s degree in business, finance, or related field preferred.

Preferred Qualifications

• Experience working within a Fannie Mae or Freddie Mac approved servicer environment.
• Familiarity with custodial accounting practices and investor reporting.
• Experience with loan boarding, payoff processing, and suspense account management.
• Knowledge of collections and early-stage loss mitigation procedures.
• Prior experience in a start-up or build-out servicing operation.

Job Overview:

Loan Consultants are energetic sales professionals that provide unrivaled savings and service to clients who are buying, selling, or refinancing a home. Loan Consultants are licensed loan originators, but with a positive twist as leaders of CapCenter’s innovative home purchase and refinance programs. They are experts on the entire home purchase process and offer clients the full array of CapCenter services, including representation by a CapCenter realtor for buying and selling a home, as well as purchase and refinance loan products. CapCenter’s greatest asset is its loyal base of repeat clients who serve as ambassadors to their friends, family, and co-workers. It is the job of Loan Consultants to convert today’s prospects into tomorrow’s loyal clients to generate repeat business and customer referrals. As a sales professional you will also be expected to support business development by serving as the accountable executive over group relationships that you help to construct.

Responsibilities:

• Serve as Client Representative.  As the name implies, you are the client’s representative and trusted advisor throughout the process. This means maintaining contact with the client to ensure that all members of CapCenter’s professional teams properly perform their services to the client’s satisfaction. Assuring the client’s overall satisfaction is a core responsibility of the Loan Consultant.
• Land Business. Sell CapCenter’s full-service home purchase and refinance programs to prospective clients. Programs include the mortgage loan program, and representation by a CapCenter realtor to buy or sell a home. Loan Consultants are experts in all CapCenter services and are responsible for getting hired as the client’s primary representative, and to get CapCenter’s realtors and other purchase professionals hired as appropriate to meet the client’s needs and circumstances.
• Serve as Loan Originator.  As a loan originator, the Loan Consultant is directly responsible for identifying and fulfilling the client’s mortgage loan requirements. Successful Loan Consultants will develop more loan business than they can handle and will be supported by junior team members as needed.
• Generate Future Business. The Loan Consultant’s job continues after the initial transaction is completed. An effective Loan Consultant generates repeat business and customer referrals from his or her past client base, assisted by CapCenter’s marketing and e-commerce professionals.
• Business Development.  Loan Consultants with a proven record of success may be assigned to attract and land prospective clients from businesses, groups and individuals through relationships developed in conjunction with the Company’s marketing and business development professionals.

Qualifications:

Candidates for the Loan Consultant position must have confidence and genuine enthusiasm for helping clients achieve their goals in the area of real estate and home finance. Analytical skills and the ability to communicate effectively are necessary, along with the following minimum attributes and qualifications:

• Ability to multi-task in a fast paced environment using time management to meet deadlines.
• Must be a licensed Loan Originator or have the knowledge and desire to become licensed.
• Business, Economics, Accounting or Finance Degree, or 3+ years of financial service experience.
• In-depth understanding of the full Real Estate Purchase and Sales cycle.
• Proven professionalism, ethics and character.
• Competitive drive for constant improvement.

CapCenter offers a competitive benefits package that includes a Base Salary, Commission, 401k, Health Insurance Benefits, and Paid Vacation. 

We are an Equal Employment Opportunity Employer.