Mortgage Loan Officer I (Purchase)

Overview

To interview and counsel members about first mortgage loans and to take mortgage loan applications. To establish and maintain personal relationship with members, and to guide and follow their mortgage loans from initial application through the loan closing process. To determine applicants' qualifications; providing detailed information about Navy Federal's mortgage and equity loan products; clarify complexities of the mortgage/equity loan process; and evaluate, personalize, and recommend financing alternatives. To build and maintain referral relationships with realtors, builders, and other centers of influence.

Responsibilities

• Take first mortgage loan applications via face-to-face interview, mail, and telephone

• Interview and counsel members regarding mortgage loan products, financing options, and the mortgage loan process

• Review mortgage applications for completeness and accuracy and identify additional information or supporting documentation needed

• Assist members in understanding loan requirements, conditions, and documentation needed to support their mortgage application

• Request and obtain required documentation and forward documentation to the Mortgage Processor

• Maintain contact with members throughout the mortgage loan process and provide updates regarding application and processing status

• Coordinate with Mortgage Processors and other appropriate parties to support timely processing of mortgage applications

• Respond to routine inquiries regarding mortgage applications, documentation requirements, processing status, and next steps

• Identify routine application or processing issues and seek guidance or escalate more complex issues as appropriate

• Monitor assigned mortgage applications to support timely completion of required activities and documentation

• Follow established procedures to help ensure mortgage loan activities comply with applicable federal laws and Navy Federal, NCUA, and secondary market requirements

• Build and maintain effective relationships with members, Realtors, builders, and other referral sources

• Participate in approved marketing and promotional activities, including financial presentations and local Realtor or community events

• Perform other duties as assigned

Qualifications

• Ability to work effectively and efficiently with automated systems

• Familiarity with accounting, credit, and/or lending principles and techniques

• Experience in member/customer service preferably in a related field/industry, such as realty, insurance, retail banking or financial institution

• Exposure to lending application and approval process

• Familiarity with mortgage lending concepts and principles

• Familiarity with banking/financial industry standards and practices

• Incumbent will be required, prior to the assumption of employment duties, to register with the Nationwide Mortgage Licensing System and Registry; includes fingerprinting and background checks

• Effective database and presentation software skills

• Effective skill performing mathematical calculations and working accurately with numbers

• Effective skill in actively guiding members through interactions to reduce member effort and enhance member loyalty

• Effective skill in comprehending, analyzing, applying and communicating complex written legal documents

• Effective skill speaking and/or presenting in front of groups in a professional setting

• Effective word processing and spreadsheet software skills

Desired Qualifications

• Working knowledge of Navy Federal Mortgage Production and/or Servicing Systems

• Working knowledge of mortgage/equity loan processing, closing and documentation requirements and regulations

• Familiarity with mortgage lending requirements, regulations and procedures for VA and conventional loan programs

Additional Information

Hours:

• Monday - Friday, 8:00AM - 4:30PM

Location:

• 5510 Heritage Oaks Drive, Pensacola, FL 32526

About Us

Navy Federal provides much more than a job. We provide a meaningful career experience, including a culture that is energized, engaged and committed; and fierce appreciation for our teams, who are rewarded with highly competitive pay and generous benefits and perks.

Our approach to careers is simple yet powerful: Make our mission your passion.

• FORTUNE 100 Best Companies to Work For® 2026

• Yello and WayUp Top 100 Internship Programs 2025

• Computerworld® Best Places to Work in IT 2026

• Most Loved Workplace – America’s Top Most Loved Workplaces® 2025

• 2025 PEOPLE® Companies That Care

• Newsweek Most Trustworthy Companies in America 2026

• Military Times 2025 Best for Vets Employers

• Forbes® 2026 America's Best Large Employers

• Forbes® 2025 America's Best Employers for New Grads

• Forbes® 2025 America's Best Employers for Tech Workers

• 2025 RippleMatch Campus Forward Award Winner for Overall Excellence

• Military.com Top Military Spouse Employers 2025

• 2026 Handshake Early Talent Award

• Newsweek America’s Greatest Workplaces for Culture, Belonging and Community 2026

From Fortune Magazine. © 2026 Fortune Media IP Limited. All rights reserved. Used under license. Fortune and Fortune 100 Best Companies to Work For are registered trademarks of Fortune Media IP Limited and are used under license. Fortune Magazine, Fortune Media (USA) Corporation, and its affiliates are not affiliated with, and do not endorse products or services of, Navy Federal Credit Union.

Equal Employment Opportunity: All qualified applicants will receive consideration for employment without regard to age, race, sex, color, religion, national origin, disability, veteran status, pregnancy, sexual orientation, genetic information, gender identity or any other basis protected by applicable law.

Accommodations: If you need accommodation or assistance for a qualifying condition to complete the online application (or during any stage of the hiring process), you can contact Navy Federal's Medical Accommodations team at [email protected] or by calling 1-888-503-6013. This team cannot provide any information on job postings or application status.

Disclaimers: Navy Federal reserves the right to fill this role at a higher/lower grade level based on business need. An assessment may be required to compete for this position. Job postings are subject to close early or extend out longer than the anticipated closing date at the hiring team’s discretion based on qualified applicant volume. Navy Federal Credit Union assesses market data to establish salary ranges that enable us to remain competitive. You are paid within the salary range, based on your experience, location and market position. For additional details regarding compensation and benefits, review the Benefits page (https://fa-etbx-saasfaprod1.fa.ocs.oraclecloud.com/hcmUI/CandidateExperience/en/sites/nfcu/pages/employee-benefits) of the Navy Federal Career Site.

Protect Yourself from Job Scams: Navy Federal Credit Union jobs are posted on our career site, jobs.navyfederal.org and reputable job boards (e.g., LinkedIn, Indeed). We do not post jobs on social media marketplaces, messaging apps or unverified websites. We will never ask candidates for payment, bank details or personal financial information during the hiring process.

Bank Secrecy Act: Remains cognizant of and adheres to Navy Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act. REQNUMBER: 33256