Mortgage Processor I

Navy Federal Credit Union

Mortgage Processor I responsible for processing first mortgage loans at Navy Federal. Managing member communications and documentation for compliance with federal/state laws.

Posted 7/11/2026full-timePensacola • Florida • 🇺🇸 United StatesMid-LevelSenior💰 $20 - $27 per hourWebsite

About the role

Key responsibilities & impact

Process first mortgage loans in accordance with applicable federal/state laws, as well as Navy Federal's policies and procedures
Establish 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 process
If 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 accordingly
Provide detailed mortgage information to members regarding mortgage requirements, products, related services, policies & rates
Clarify complexities of the mortgage/equity loan process
Evaluate, personalize, and recommend financing alternatives
Obtain, 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 approval
Request and obtain any additional documentation needed from the member to meet loan requirements
Evaluate loan documentation, calculate income, review assets, analyze liabilities, and clear conditions per delegated authority
Validate automated underwriting decision per delegated authority
Ensure progress and inclusion of required mortgage processing information
Monitor 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 updates
Determine and advise members on approved loan conditions and documentation requirements
Communicate and document loan decisions so that involved parties are well-informed
Ensure loans are compliant with RESPA guidelines prior to submission for quality assurance review and closing
Coordinate settlement dates with members, attorneys, and realtors
Reconcile changes, revisions and corrections with closing agents and settlement attorneys to ensure accurate and efficient processing of mortgage loans
Analyze, research, and resolve discrepancies, problems & issues related to member accounts/loans; may require additional interaction with members, other staff and outside contacts for completion
Prepare and review loan activity reports to effectively track status updates, provide pipeline metrics and quickly identify/address items in need of attention
Perform other duties as assigned

Requirements

What you’ll need

Experience in working in a high volume, fast paced environment
Familiarity with Real Estate Lending systems, policies, procedures, practices and/or actions
Familiarity with mortgage/equity loan processing, closing and documentation requirements and regulations
Exposure to financial transaction/processing related responsibilities
Exposure to working in member/customer service preferably in a call center/retail banking/financial institution
Familiarity with financial institution and lending practices, principles and regulations
Experience in managing multiple priorities independently and/or in a team environment to achieve goals
Ability to work effectively and efficiently with automated systems
Effective word processing and spreadsheet software skills
Effective skill maintaining accuracy with attention to detail and meeting deadlines
Effective research, analytical, and problem-solving skills
Effective skill exercising initiative and using good judgment to make sound decisions
Effective verbal and written communication skills
Effective skill performing mathematical calculations and working accurately with numbers

Benefits

Comp & perks

Competitive pay
Generous benefits and perks

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

Mortgage Documentation RequirementsFinancial Transaction ProcessingMathematical CalculationsAutomated UnderwritingLoan Application ReviewPipeline Metrics TrackingRESPA ComplianceLoan Condition EvaluationCredit Report AnalysisIncome Verification

Soft Skills

Effective CommunicationAttention to DetailInitiative and JudgmentResearch SkillsTime Management