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.

This position is eligible for the Talent Quest employee referral program. If an employee referred you for this job, please apply using the system-generated link that was sent to you.

• 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

• Ability to work effectively and efficiently with automated systems
• Experience in the mortgage lending industry
• Working knowledge of mortgage lending requirements, regulations and procedures for VA and conventional loan programs
• Working knowledge of mortgage/equity loan processing, closing and documentation requirements and regulations
• 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
• Advanced skill in comprehending, analyzing, applying and communicating complex written legal documents
• Advanced skill speaking and/or presenting in front of groups in a professional setting
• Advanced word processing and spreadsheet software skills

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

• Monday
  - Friday, 8:30AM - 5:00PM

• 4 Concourse Pkwy, Suite 100 Sandy Springs, GA 30328

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 Way Up Top 100 Internship Programs 2025 Computerworld Best Places to Work in IT 2026 Most Loved Workplace
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All qualified applicants will receive consideration for employment…