Mortgage Loan Officer I
Company: Navy Federal Credit Union
Location: Oceanside
Posted on: December 31, 2025
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Job Description:
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 Federals 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 • Familiarity with accounting, credit, and/or
lending principles and techniques • Experience in member/customer
service preferably in a related field/industry, such as realty,
insurance, retail banking or financial institution • Exposure to
lending application and approval process • Familiarity with
mortgage lending concepts and principles • Familiarity with
banking/financial industry standards and practices • 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 • Effective
database and presentation software skills • Effective skill
performing mathematical calculations and working accurately with
numbers • Effective skill in actively guiding members through
interactions to reduce member effort and enhance member loyalty •
Effective skill in comprehending, analyzing, applying and
communicating complex written legal documents • Effective skill
speaking and/or presenting in front of groups in a professional
setting • Effective word processing and spreadsheet software skills
Desired Qualification(s) • Working knowledge of Navy Federal
Mortgage Production and/or Servicing Systems • Working knowledge of
mortgage/equity loan processing, closing and documentation
requirements and regulations • Familiarity with mortgage lending
requirements, regulations and procedures for VA and conventional
loan programs Hours: Monday - Friday, 8:30AM - 5:00PM Location:
4180 Avenida De La Plata, Oceanside, CA 92056 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® 2025 • Yello and
WayUp Top 100 Internship Programs • Computerworld® Best Places to
Work in IT • Newsweek Most Loved Workplaces • FORTUNE Best
Workplaces for Women ™ 2024 • 2025 PEOPLE® Companies That Care •
Newsweek Most Trustworthy Companies in America • Military Times
2024 Best for Vets Employers • Best Companies for Latinos to Work
for 2025 • Forbes® 2025 America’s Best Large Employers • Forbes®
2025 Americas Best Employers for New Grads • Forbes® 2025 Americas
Best Employers for Tech Workers • 2025 RippleMatch Campus Forward
Award Winner for Overall Excellence • Military.com Top Military
Spouse Employers 2025 • 2025 Handshake Early Talent Award
Keywords: Navy Federal Credit Union, Encinitas , Mortgage Loan Officer I, Accounting, Auditing , Oceanside, California
