Mortgage Assumption Specialist I

Navy Federal Credit Union

. Research, respond to, and track moderately complex inquiries about assumption/release of liability requests .

Posted 10/7/2026full-timeWinchester • Virginia • United StatesMid-LevelSenior💰 $28 - $34 per hourWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in mortgage loan documentation, compliance with CFPB regulations, and effective communication with various stakeholders. Proficient in analyzing complex legal documents and managing multiple priorities to ensure adherence to guidelines and successful loan processing.

Highest-signal resume keywords

CFPB Servicing RulesMortgage Loan DocumentationRisk Exposure IdentificationEffective CommunicationAnalytical Problem-Solving

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Document ReviewLoan Application VerificationTitle Insurance AnalysisRegulatory ComplianceFinancial Loss MitigationData InterpretationResearch SkillsTime ManagementOrganizational SkillsDecision-Making

Soft Skills

TactPatienceSensitivityConfidentialityTeam Collaboration

Tools & Technologies

Word Processing SoftwareSpreadsheet Software

Certifications & Qualifications

Nationwide Mortgage Licensing System Registration

Industry Keywords

Navy Federal PoliciesNCUA RequirementsInvestor GuidelinesSuccessor in InterestMortgage Default

About the role

Key responsibilities & impact

Research, respond to, and track moderately complex inquiries about assumption/release of liability requests
Identify risk exposures and mitigate financial loss from mortgage and equity collateral transactions through inquiries and preliminary document review
Obtain, review, and verify required mortgage loan documentation, including title insurance, loan applications, credit reports, and income and asset declarations
Provide accurate documentation to underwriters for loan approval and adherence to NFCU and investor guidelines
Communicate with members, settlement attorneys, surveyors, title companies, survivors of deceased borrowers, and attorneys regarding required documentation and expectations
Validate Successor in Interest status under CFPB regulations by reviewing documents and servicing-system notes
Coordinate settlement dates with members, attorneys, and realtors
Reconcile changes, revisions, and corrections with closing agents and settlement attorneys
Analyze, research, and resolve discrepancies, problems, and issues related to member accounts and loans
Perform other duties as assigned

Requirements

What you’ll need

Working knowledge of CFPB servicing rules, NCUA requirements, and Navy Federal policies and procedures
Working knowledge of current regulations and investor guidelines to offer options to Successors, such as assuming the loan or referring to Mortgage Default
Ability to display the highest degree of tact, patience, sensitivity, and confidentiality
Experience managing multiple priorities independently and/or in a team environment to achieve goals
Required, before assuming employment duties, to register with the Nationwide Mortgage Licensing System and Registry, including fingerprinting and background checks
Essential skill in comprehending, analyzing, applying, and communicating complex written legal documents
Basic skills in following, interpreting, and applying relevant data/instructions to guidelines, procedures, practices, and regulations
Basic skills in exercising initiative and good judgment to make sound decisions
Effective organizational, planning, and time management skills
Basic research, analytical, and problem-solving skills
Effective word processing and spreadsheet software skills
Basic verbal and written communication skills
Associate degree in Business Administration, Finance, or related field (desired)

Benefits

Comp & perks

Highly competitive pay
Generous benefits and perks