Mortgage Processing Jobs in Virginia (NOW HIRING)

Overview

To 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.

Responsibilities

• 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

Qualifications

• 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
• 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 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

Desired Qualifications

• Working knowledge of Navy Federal products, services, programs, policies and procedures
• Familiarity with Empower LOS system is a plus
• Working knowledge of Navy Federal's functions, philosophy, operations and organizational objectives

Additional Information

Hours:

• Monday - Friday, 8:30AM - 5:00PM

Location:

• 5550 Heritage Oaks Drive Pensacola, FL 32526
• 141 Security Drive Winchester, VA 22602
• 5455 Rings Road Dublin, OH 43017

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 medicalaccommodations@navyfederal.org 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.