Mortgage Loan Officer

Navy Federal Credit Union; Phoenix (AZ); Hybrid; USD 65,000 - 90,000; Full time

Job summary

Navy Federal Credit Union in Phoenix, AZ is seeking a Mortgage Loan Officer for a full-time, hybrid role. You will originate and manage residential mortgage loan applications and guide members from inquiry to closing with a focus on service excellence.

Responsibilities include assessing borrowers’ financial profiles, explaining loan options, collecting documentation, coordinating with underwriting, processing, and closing teams, and building relationships with internal partners and referral

Qualifications

• Experience in loan officer roles with an emphasis on member guidance and ethical lending practices.
• Knowledge of mortgage lending processes including conventional, VA, and other loan products.
• Familiarity with underwriting principles and collaboration with underwriting teams.
• Licenses or registrations as required for mortgage loan origination in Arizona.

Responsibilities

• Originate and manage residential mortgage loan applications.
• Guide members through the loan process from inquiry to closing.
• Coordinate with underwriting, processing, and closing teams.
• Build relationships with internal partners and external referral sources to support loan volume.

Skills

Customer service

Financial analysis

Communication

Mortgage lending

Education

High school diploma or equivalent

Finance/Business degree beneficial

Tools

Loan origination systems

Microsoft Office

Job description

Company Description

Navy Federal Credit Union is the world’s largest credit union, serving more than 15 million members with over $200 billion in assets and a team of 25,000+ employees. Across campuses in Virginia, Florida, and California, as well as more than 380 branches, the organization provides financial products and services to members of the Armed Forces, Department of Defense, veterans, and their families. Team members benefit from an engaged, mission-driven culture, highly competitive pay, and comprehensive benefits and perks. Navy Federal emphasizes meaningful career growth, encouraging employees to align their passion with the organization’s mission. The credit union is a federally insured, equal housing lender and an equal opportunity employer, including disability and veterans.

Role Description

This full-time Mortgage Loan Officer role is based in Phoenix, AZ and follows a hybrid work model, combining on-site presence with some work-from-home flexibility. The Mortgage Loan Officer will originate and manage residential mortgage loan applications, guiding members through the loan process from initial inquiry to closing. Daily responsibilities include assessing borrowers’ financial profiles, explaining loan products and terms, collecting and verifying documentation, and coordinating with underwriting, processing, and closing teams. The role involves providing responsive, empathetic customer service, addressing member questions, and ensuring compliance with lending regulations and Navy Federal policies. The Mortgage Loan Officer will also build and maintain relationships with internal partners and external referral sources to support loan volume and member satisfaction.

Qualifications

• Experience in Loan Officer roles with a strong focus on member guidance and ethical lending practices.
• Knowledge of the Mortgage Industry and Mortgage Lending processes, including conventional, VA, and other mortgage products.
• Familiarity with Underwriting principles and documentation requirements, and ability to collaborate effectively with underwriting teams.
• Demonstrated Customer Service skills, including clear communication, active listening, and problem-solving in a fast-paced environment.
• Relevant licenses or registrations as required for mortgage loan origination in Arizona, and familiarity with federal and state lending regulations.
• Proficiency with loan origination systems, basic financial analysis, and standard office software.
• Ability to work in a hybrid environment, manage multiple loan files simultaneously, and meet production and quality goals.
• High school diploma or equivalent required; associate or bachelor’s degree in finance, business, or a related field is beneficial.