He was born in Compton, Berkshire on February 17th, 1858; the son of George Carter.
Ernest Carter was educated at Charterhouse and Leamington College. In 1880 he went to Oxford to study at St. John's College. He graduated with a BA in 1884. From 1885 to 1888 he was Assistant Master at Godolphin School, Hammersmith, London and in that year took holy orders being made deacon and taking up a position as curate of Christ Church, Mayfair. He was made priest in 1889. Between 1889 and 1896 he was curate of Chieveley and in 1989 moved to the East end of London to be vicar of St. Jude, Whitchapel. Between 1910 and 1911 he waspresident at Sion College.
During the voyage Revd. Carter was troubled by a cold and Marion Wright, whom the couple had befriended, found some medication that helped him.
On the evening of April 14th, Revd. Carter presided over a hymn service for about a hundred passengers in the Second Class Dining Room, he preceded each hymn with a history of the hymn and its author. Douglas Norman sat at the piano and Marion Wright sang a solo of "Lead Kindly Light". Among the other hymns sung were Eternal Father, Strong to Save (also known as "For those in peril on the Sea"), On the Ressurection Morning, There is a Green Hill Far Away (for which Marion Wright again sang solo), the final hymn was Now the Day is Over. Around ten o'clock the steward began to lay out coffee and refreshments and Rev. Carter drew the proceedings to a close by thanking the Purser for the use of the Saloon and added that the ship was unusually steady and how everyone was looking forward to their arrival in New York. 'It is' he said 'the first time that there have been hymns sung on this boat on a Sunday evening, but we trust and pray it won't be the last.'
But it was and Rev. and Mrs. Carter died in the sinking. Their bodies, if recovered, were never identified.