Loan Processor

Navient (Nasdaq: NAVI) helps students and families confidently manage the cost of higher education. We create long-term value for customers and investors through responsible lending, flexible refinancing, trusted servicing oversight, and decades of portfolio management expertise. Our employees thrive in a culture of belonging, where they are supported and proud to deliver meaningful outcomes. Learn more at navient.com. The Loan Processor plays a key role in bringing consumer loans to life—reviewing applications, validating financial information, and helping clients move confidently through the lending process. This role sits at the intersection of risk assessment, accuracy, and customer experience, requiring both sharp attention to detail and thoughtful client engagement. Depending on experience, this position may focus on foundational processing or take on more advanced responsibility for independent analysis, underwriting decisions, and complex cases. Regardless of level, the Loan Processor is a trusted contributor to sound lending decisions and a positive customer journey.

Why You'll Like it Here:

At Navient, we support your whole life — not just your workday. Our benefits go beyond the basics, including company‑funded HSA contributions, automatic 401(k) enrollment with a dollar‑for‑dollar match up to 5%, and access to paid parental leave, fertility and family‑building support, and virtual health and wellness resources. Whether you’re early in your career or bringing years of experience, we invest in your wellbeing, financial security, and long‑term confidence — wherever you work.

How You'll Contribute:

Loan Application Processing

• Reviewing client uploads (paystubs, tax returns, asset statements, identification documents, etc).
• Establishing client identity by verifying consistency between client submitted information and third-party data sources.
• Inputting qualifying information for accurate decision making.
• Proactively engaging clients through phone, booked calls, or email to support clients, providing the right details to clients reaching the point of decision.

Special Projects Work

• Work with management to identify areas of opportunity to develop new procedures or policies.
• Prepare audit materials in support of other Earnest business units (Legal, Compliance and Risk).
• Identifies areas of opportunity for improved accuracy and/or efficiency of file preparation and review.

Identify System Issues & Training

• Provide feedback on internal tooling and system issues identified during processing.
• Maintain up-to-date knowledge by attending training sessions and reviewing internal knowledge bases.

Other duties as assigned.

What We're Looking For:

• This role is open to junior and mid-level candidates; final level will be determined based on the selected candidate’s experience and qualifications.
• High School Diploma/ GED/ equivalent.
• experience in reviewing consumer credit applications (auto, credit card, student loan, personal loan etc.)

Nice to Have:

• Experience with fraud detection, remediation, tools and systems.
• Knowledge of Fraud Factors.
• Experience in a production-based environment.
• Knowledge of loan servicing.
• Ability to efficiently evaluate multiple data points in an ambiguous environment.
• Advanced ability to perform mathematical calculations related to personal finance.
• Strong underwriting and financial analysis skills.
• Ability to read, interpret, and validate complex financial and identity documentation.
• Knowledge of consumer lending and associated financial and fraud risks.
• Strong verbal communication and client engagement skills.
• Strong written communication skills.
• Analytical and problem‑solving skills.
• Ability to effectively navigate multiple systems and tools.
• Collaboration and adaptability in a production‑based environment.

In addition to meaningful work, Navient offers a benefits package designed to support balance, flexibility, and long‑term wellbeing.

Benefits designed with balance in mind.

Navient’s benefits are thoughtfully designed to support employees from day one, with an emphasis on stability, flexibility, and long‑term support. From health coverage to financial security and time away, our approach is simple: provide meaningful support that helps work feel sustainable.

What’s included:

• Paid time off that begins accruing on Day 1, plus My Day and paid company holidays.

• Medical, dental, and vision coverage for eligible employees and dependents, with access to health advocacy support.

• A 401(k) plan with employer match to support long‑term financial security.

• Company‑paid basic life insurance and short‑ and long‑term disability coverage.

• Employee Assistance Program (EAP) and wellbeing resources, including digital health and chronic‑condition support.

• Family planning resources.

• Pet insurance.

• Learning, development, and career growth opportunities through tuition reimbursement and our e-learning platform.

IMPORTANT NOTICES:

All offers of employment are contingent on standard background checks. Depending on the needs of our business, the successful candidate may be subject to further background checks to determine eligibility and suitability.

EOE Race/Ethnicity/Sex/Disability/Protected Vet/Sexual Orientation/Gender Identity. Navient Corporation and its subsidiaries are not sponsored by or agencies of the United States of America.

Navient is a drug free workplace.