Mortgage Loan Officer I

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

• Analyze referred loans for areas of concern and determine proper course of action (e.g. obtain explanations for derogatory credit)
• Determine and advise members on approved loan conditions and documentation requirements
• Ensure progress and inclusion of required mortgage processing information (e.g. verifications of employment, assets, income and liabilities; appraisal reports, Navy Federal and investor requirements, etc.)
• Maintain contact with the member, Realtor and / or seller during the entire loan process
• Monitor mortgage loan process and ensure compliance with Federal laws, as well as, Navy Federal, NCUA and secondary market practices, guidelines and regulations
• Remain available to members and / or their real estate agents during scheduled evening hours after assigned work days and during scheduled hours on assigned days off (e.g. weekends)
• Request and obtain documentation needed and forward to Mortgage Processor
• Respond to inquiries about mortgage applications, processing status, problems and concerns
• Seek and leverage opportunities to conduct outside marketing and promotional activities to members and potential members through financial presentations, local events and realtor / trade shows and events
• Take first mortgage loan applications via face-to-face interview, mail and telephone
• Resolve or arrange for resolution of operational / processing issues, inquiries and complaints
• Respond to inquiries and resolve any issues concerning the processing of applications
• Review application for completeness, data integrity and accuracy; determine if additional information and / or supporting documentation is required
• Perform other duties as assigned

Qualifications

Desired Qualification(s)

Hours : Monday - Friday, 8 : 30AM - 5 : 00PM

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.

From Fortune . 2025 Fortune Media IP Limited. All rights reserved. Used under license. Fortune and Fortune Media IP Limited 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 race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected Veteran.

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

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