M&T Bank: Mortgage Originator
Navy Federal Credit Union
To evaluate and underwrite all mortgage loan types offered by Navy Federal Credit Union (NFCU) according to specific state and federal requirements to limit the risk exposure to NFCU's mortgage portfolio. To analyze required loan documentation and information presented in the mortgage loan request, to condition and make appropriate loan decisions based on the acceptability of the credit risk using established guidelines of NFCU, secondary market investors, and applicable state and government regulations. Works under supervision from higher level peers and leadership. Analyze mortgage loan information on loan documents such as income, assets, and credit criteria to confirm loan eligibility based on Navy Federal guidelines as well as adherence to investor requirement with or without independent scoring systems
recommend alternative mortgage products that could bring the loan within guidelines.
Analyze self-employed borrower income documentation
Approve mortgage loans and authorize loan disbursements based on a complete analysis of submitted documentation and/or applicable rules and regulations
analyze exception requests, prepare adverse action (loan disapproval) notifications or secondary loan reviews for adverse action, with awareness of compliance provisions of regulatory agencies
Work closely and collaborate with loan originator and processor to ensure all appropriate data and required documentation is obtained
Participate in mentoring sessions for Mortgage Processors, Mortgage Closers, and Mortgage Loan Officers
Maintain current knowledge of all NFCU mortgage products and any changes to guidelines by NFCU, investor, or government agencies that impact the processing of mortgage loan products
Participates in collaboration with training team to maintain training materials to ensure all guidelines are conveyed accurately and consistently
3 years of experience in mortgage lending
- Intermediate knowledge of mortgage/equity loan processing, closing and documentation requirements and regulations
- Basic database and presentation software skills
- Basic organizational, planning and time management skills
- Basic skill conducting complex personal and business financial analysis
- Basic word processing and spreadsheet software skills
Basic skill in underwriting self-employed borrowers
Basic skill conducting complex personal and business financial analysis
Monday - Friday, 8:00AM - 4:30PM
11270 St Johns Industrial Parkway South Jacksonville, FL 32246
- 9001 Airport Freeway, 9th Floor Suite 925 North Richland Hills, TX 76180
- Navy Federal provides much more than a job. Yello and WayUp Top 100 Internship Programs 2025
- 2025 PEOPLE® Companies That Care
- Military Times 2025 Best for Vets Employers
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- 2025 RippleMatch Campus Forward Award Winner for Overall Excellence
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- Newsweek America’s Greatest Workplaces for Culture, Belonging and Community 2026
From Fortune Magazine. © 2026 Fortune Media IP Limited. 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 View email address on click.appcast.io 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. 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.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.
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