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Job description
Mortgage Loan ProcessorTo process first mortgage loans in accordance with applicable federal/state laws, as well as Navy Federal's policies and procedures. Assume responsibility as the point person and coordinate processing the loan file from the time of warm handoff from loan origination through disposition. Responsible for gathering and reviewing required member and third-party documentation for accuracy in meeting loan requirements. Ensure timely review and submission to underwriting and closing partners in compliance with Navy Federal and regulatory guidelines. Complete any necessary follow up steps and communicate loan status with the member and other involved parties while ensuring clear and concise documentation of statuses are updated as the loan progresses through the loan origination system. Manage process flow and deliverables in order to meet the member's expected closing date. To perform moderately complex mortgage processing functions under supervision.ResponsibilitiesProcess first mortgage loans in accordance with applicable federal/state laws, as well as Navy Federal's policies and proceduresEstablish and maintain contact with members and external third parties, such as real estate agents (if/when applicable); to guide and follow mortgage loan process from warm handoff by loan officer through loan closing processIf changes to the loan occur during the course of processing the loan, such as appraisal amount or financial circumstances, processor will continue to qualify applicants as necessary; may interview and counsel members regarding mortgage loan products and make adjustments accordinglyProvide detailed mortgage information to members regarding mortgage requirements, products, related services, policies & ratesClarify complexities of the mortgage/equity loan processEvaluate, personalize, and recommend financing alternativesObtain, review and verify mortgage applications have required loan documentation, such as title insurance, appraisals, loan applications, credit reports, and income and asset declarations are accurate and provided promptly to underwriters for loan approvalRequest and obtain any additional documentation needed from the member to meet loan requirementsEvaluate loan documentation, calculate income, review assets, analyze liabilities, and clear conditions per delegated authorityValidate automated underwriting decision per delegated authorityEnsure progress and inclusion of required mortgage processing informationMonitor mortgage loan process and ensure compliance with Federal laws, as well as, Navy Federal, NCUA and secondary market practices, guidelines and regulations; apply and communicate changes impacted by related regulatory requirements, practices and legislation updatesDetermine and advise members on approved loan conditions and documentation requirementsCommunicate and document loan decisions so that involved parties are well-informedEnsure loans are compliant with RESPA guidelines prior to submission for quality assurance review and closingCoordinate settlement dates with members, attorneys, and realtorsReconcile changes, revisions and corrections with closing agents and settlement attorneys to ensure accurate and efficient processing of mortgage loansAnalyze, research, and resolve discrepancies, problems & issues related to member accounts/loans; may require additional interaction with members, other staff and outside contacts for completionPrepare and review loan activity reports to effectively track status updates, provide pipeline metrics and quickly identify/address items in need of attentionPerform other duties as assignedQualificationsExperience in working in a high volume, fast paced environmentFamiliarity with Real Estate Lending systems, policies, procedures, practices and/or actionsFamiliarity with mortgage/equity loan processing, closing and documentation requirements and regulationsExposure to financial transaction/processing related responsibilitiesExposure to working in member/customer service preferably in a call center/retail banking/financial institutionFamiliarity with financial institution and lending practices, principles and regulationsExperience in managing multiple priorities independently and/or in a team environment to achieve goalsAbility to work effectively and efficiently with automated systemsIncumbent will be required, prior to the assumption of employment duties, to register with the Nationwide Mortgage Licensing System and Registry; includes fingerprinting and background checksEffective word processing and spreadsheet software skillsEffective skill maintaining accuracy with attention to detail and meeting deadlinesEffective research, analytical, and problem-solving skillsEffective skill exercising initiative and using good judgment to make sound decisionsEffective verbal and written communication skillsEffective skill performing mathematical calculations and working accurately with numbersDesired QualificationsWorking knowledge of Navy Federal products, services, programs, policies and proceduresFamiliarity with Empower LOS system is a plusWorking knowledge of Navy Federal's functions, philosophy, operations and organizational objectivesAdditional InformationHours:Monday - Friday, 8:00AM - 4:30PMLocation:5510 Heritage Oaks Drive, Pensacola, FL Security Drive, Winchester, VA 22602Job InfoJob Identification 32545Job Category Mortgage Processing/ClosingPosting Date 09/28/2026, 06:26 PMApply Before 10/03/2026, 04:55 AMDegree Level No Formal EducationJob Schedule Full timeJob Shift Regular HoursTargeted Salary Range $20.39 - $27.41 hourly
Worksite address
winchester, VA, 22601, US
Who can apply
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