Mortgage Loan Officer

About the Company

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. The organization provides financial products and services to members of the Armed Forces, Department of Defense, veterans, and their families across campuses in Virginia, Florida, and California, as well as more than 380 branches. Navy Federal emphasizes a mission-driven culture, career growth, and comprehensive benefits.

About the Role

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.

Responsibilities

• Assess borrowers’ financial profiles and explain loan products and terms.
• Collect and verify documentation required for loan applications.
• Coordinate with underwriting, processing, and closing teams to ensure smooth loan processing.
• Provide responsive, empathetic customer service and address member questions.
• Ensure compliance with lending regulations and Navy Federal policies.
• Build and maintain relationships with internal partners and external referral sources to support loan volume and member satisfaction.
• Manage multiple loan files simultaneously and meet production and quality goals.

Requirements

• Experience in Loan Officer roles with a strong focus on member guidance and ethical lending practices.
• Knowledge of the mortgage industry and lending processes, including conventional, VA, and other mortgage products.
• Familiarity with underwriting principles and documentation requirements.
• 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.
• 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 and manage multiple priorities.

Qualifications

• High school diploma or equivalent required.
• Associate or bachelor’s degree in finance, business, or a related field is beneficial.