Mortgage Loan Officer I/II

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

Job summary

Navy Federal Credit Union in Phoenix, AZ seeks a Mortgage Loan Officer to interview and counsel members about first mortgage loans and to guide applications from intake through closing.

You will build lasting relationships with members, realtors, and builders, explaining mortgage options and tailoring financing plans to individual needs. The role requires strong analysis, document handling, and compliance with federal rules.

Qualifications

• Familiar with mortgage lending requirements, regulations and procedures for VA and conventional loan programs.
• Must register with the Nationwide Mortgage Licensing System and Registry; includes fingerprinting and background checks.
• Ability to analyze, apply and communicate complex written legal documents.
• Strong verbal presentation and public speaking skills.
• Advanced proficiency with word processing and spreadsheets.

Responsibilities

• Interview and counsel members about first mortgage loans and take loan applications.
• Establish and maintain personal relationships with members and realtors; guide loans from application to closing.
• Ensure all required processing information (employment, assets, income, liabilities, appraisals, investor requirements) is complete.
• Maintain contact with members, realtors, and sellers throughout the loan process and respond to inquiries.
• Monitor compliance with federal laws, Navy Federal and investor guidelines; resolve processing issues.
• Be available during evenings and weekends as needed; promote Navy Federal mortgage products at events.

Skills

Automated systems

Mortgage lending

Mortgage regulations

Mortgage processing

NMLS registration

Legal document analysis

Public speaking

Word processing

Spreadsheet skills

Job description

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

• 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

Desired Qualifications

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

Additional Information

• Monday - Friday, 8:00AM - 4:30PM

Location

• 3675 W Chandler Blvd, Chandler AZ 85226
• 15420 W McDowell RD Goodyear, AZ 85395
• 4212 East Juanita Ave Mesa, AZ 85206
• 1150 E Bell Rd Phoenix, AZ 85022

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 [e-mail] 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 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.