Entry Level Member Service Representative Jobs
New grad member service representative jobs welcome recent graduates and entry level candidates with zero to two years of experience, where strong customer-facing internship work or a demonstrated ability to handle member inquiries can matter more than a long resume. Most openings are on-site roles across Insurance and Banking & Financial Services, with employers like State Farm and Navy Federal Credit Union hiring at this level now.
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INTRODUCTION
To respond to inquiries and requests from members and other individuals within a 24/7 high volume, schedule-driven and structured contact center operation (CCO). Provide information regarding Navy Federal products and services demonstrating knowledge, active listening, multiple system adaptability and engagement methods to ensure optimal member experience and customer service. Perform transactions or related functions for mortgage and/or other Navy Federal accounts. May perform transactions or related functions for savings, checking, consumer loans, credit cards, IRAs and/or other Navy Federal accounts. To advise members of other products and services that may fit their needs and provide opportunities for positive member interaction.
This position is eligible for the TalentQuest employee referral program. If an employee referred you for this job, please apply using the system-generated link that was sent to you.
Responsibilities
- Provide mortgage information to members regarding products, services, policies and rates Basic/Routine
- Respond to inquiries about mortgage applications, processing status, problems and concerns
- Review and evaluate mortgage loan applications to ensure viability (member's debt to income ratio and compensating factors) and compliance with Federal and Navy Federal guidelines, etc.
- Implement and update automatic member payment options for mortgage and equity loans
- Provide member service via phone or other media as available (e.g. email, chat, etc.) Moderately complex/Varied
- Protect and verify identity of caller; review account information for alerts and account irregularities
- Take action and respond to situations/patterns of activity indicating potential fraud or abuse
- Understand and comply with federal and other regulations relating to financial products and services
- Analyze, research and resolve problems and discrepancies related to member accounts/loans Moderately complex/Varied
- Counsel current prospective members about Navy Federal's products and services Under supervision
- Execute first call resolution; may require research, follow-up, return calls
- Identify opportunities to cross service products and increase product penetration
- Perform account transactions Moderately complex/Varied
- Initiate fee adjustments and/or other monetary incentives for members within scope of authority (need reapproval)
- Effectively perform all duties required for MSRs - CCO Moderately complex/Varied
- Perform other duties as assigned
BASIC QUALIFICATIONS
- 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
- Experience in member/customer service preferably in a call center, retail banking or financial institution
- Experience in managing multiple priorities independently and/or in a team environment to achieve goals
- Effective skill in producing desired results and achieving goals and objectives
- Effective skill maintaining composure in a high production and changing environment
- Effective skill navigating multiple screens and PC applications and adapting to new technologies
- Effective skill performing basic mathematical calculations and working accurately with numbers
- Effective active listening skills to accurately respond to inquiries and account requests
- Effective skill exercising initiative and using good judgment to make sound decisions
- Effective skill building effective relationships through rapport, trust, diplomacy and tact
- Effective verbal and written communication skills
- Effective skill interacting tactfully and effectively in difficult situations
- Effective organizational, planning and time management skills
- Effective skill in resolving member/customer problems
PREFERRED QUALIFICATIONS
- Experience in the mortgage lending industry
- Experience in high volume call center situations
- Working knowledge of accounting, credit and/or lending principles and techniques
- Working knowledge of NFCU Contact Center procedures, policies and practices
- Familiarity with savings and checking products, accounts and services
- Familiarity with applicable NCUA and federal regulations governing consumer lending, credit cards, mortgage and equity loans, and/or savings and checking accounts
- Familiarity with NFCU mortgage products, services, programs, policies and procedures
- Experience in a sales, cross selling or up-selling environment
ADDITIONAL INFORMATION
Hours:
- Multiple shifts available starting at 11:00AM EST and later
LOCATION:
- 5510 Heritage Oaks Drive, Pensacola, FL 32526
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.
- FORTUNE100 Best Companies to Work For® 2025
- Yello and WayUp Top 100 Internship Programs
- Computerworld® Best Places to Work in IT
- Newsweek Most Loved Workplaces
- 2025 PEOPLE® Companies That Care
- Newsweek Most Trustworthy Companies in America
- Military Times 2025 Best for Vets Employers
- Best Companies for Latinos to Work for 2025
- Forbes® 2025 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
- 2025 Handshake Early Talent Award
From Fortune. ©2025 Fortune Media IP Limited. All rights reserved. Used under license. Fortune and Fortune Media IP Limited 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.
INTRODUCTION
To respond to inquiries and requests from members and other individuals within a 24/7 high volume, schedule-driven and structured contact center operation (CCO). Provide information regarding Navy Federal products and services demonstrating knowledge, active listening, multiple system adaptability and engagement methods to ensure optimal member experience and customer service. Perform transactions or related functions for mortgage and/or other Navy Federal accounts. May perform transactions or related functions for savings, checking, consumer loans, credit cards, IRAs and/or other Navy Federal accounts. To advise members of other products and services that may fit their needs and provide opportunities for positive member interaction.
This position is eligible for the TalentQuest employee referral program. If an employee referred you for this job, please apply using the system-generated link that was sent to you.
Responsibilities
- Provide mortgage information to members regarding products, services, policies and rates Basic/Routine
- Respond to inquiries about mortgage applications, processing status, problems and concerns
- Review and evaluate mortgage loan applications to ensure viability (member's debt to income ratio and compensating factors) and compliance with Federal and Navy Federal guidelines, etc.
- Implement and update automatic member payment options for mortgage and equity loans
- Provide member service via phone or other media as available (e.g. email, chat, etc.) Moderately complex/Varied
- Protect and verify identity of caller; review account information for alerts and account irregularities
- Take action and respond to situations/patterns of activity indicating potential fraud or abuse
- Understand and comply with federal and other regulations relating to financial products and services
- Analyze, research and resolve problems and discrepancies related to member accounts/loans Moderately complex/Varied
- Counsel current prospective members about Navy Federal's products and services Under supervision
- Execute first call resolution; may require research, follow-up, return calls
- Identify opportunities to cross service products and increase product penetration
- Perform account transactions Moderately complex/Varied
- Initiate fee adjustments and/or other monetary incentives for members within scope of authority (need reapproval)
- Effectively perform all duties required for MSRs - CCO Moderately complex/Varied
- Perform other duties as assigned
BASIC QUALIFICATIONS
- 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
- Experience in member/customer service preferably in a call center, retail banking or financial institution
- Experience in managing multiple priorities independently and/or in a team environment to achieve goals
- Effective skill in producing desired results and achieving goals and objectives
- Effective skill maintaining composure in a high production and changing environment
- Effective skill navigating multiple screens and PC applications and adapting to new technologies
- Effective skill performing basic mathematical calculations and working accurately with numbers
- Effective active listening skills to accurately respond to inquiries and account requests
- Effective skill exercising initiative and using good judgment to make sound decisions
- Effective skill building effective relationships through rapport, trust, diplomacy and tact
- Effective verbal and written communication skills
- Effective skill interacting tactfully and effectively in difficult situations
- Effective organizational, planning and time management skills
- Effective skill in resolving member/customer problems
PREFERRED QUALIFICATIONS
- Experience in the mortgage lending industry
- Experience in high volume call center situations
- Working knowledge of accounting, credit and/or lending principles and techniques
- Working knowledge of NFCU Contact Center procedures, policies and practices
- Familiarity with savings and checking products, accounts and services
- Familiarity with applicable NCUA and federal regulations governing consumer lending, credit cards, mortgage and equity loans, and/or savings and checking accounts
- Familiarity with NFCU mortgage products, services, programs, policies and procedures
- Experience in a sales, cross selling or up-selling environment
ADDITIONAL INFORMATION
Hours:
- Multiple shifts available starting at 11:00AM EST and later
LOCATION:
- 5510 Heritage Oaks Drive, Pensacola, FL 32526
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.
- FORTUNE100 Best Companies to Work For® 2025
- Yello and WayUp Top 100 Internship Programs
- Computerworld® Best Places to Work in IT
- Newsweek Most Loved Workplaces
- 2025 PEOPLE® Companies That Care
- Newsweek Most Trustworthy Companies in America
- Military Times 2025 Best for Vets Employers
- Best Companies for Latinos to Work for 2025
- Forbes® 2025 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
- 2025 Handshake Early Talent Award
From Fortune. ©2025 Fortune Media IP Limited. All rights reserved. Used under license. Fortune and Fortune Media IP Limited 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.
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Who's Hiring
Top Industries Hiring
- Insurance
- Banking & Financial Services
Entry Level Member Service Representative Jobs: Frequently Asked Questions
How do I get an entry level member service representative job?
Start by highlighting any customer-facing experience, even from retail, food service, or volunteer work, since employers at this level prioritize communication skills and a service mindset over years on the job. Tailor your resume to show you can resolve member questions, process transactions accurately, and stay composed under pressure. A cover letter that demonstrates genuine interest in the organization's membership base helps you stand out against other entry level applicants.
Which companies hire entry level member service representatives?
Companies hiring entry level member service representatives right now include State Farm and Navy Federal Credit Union, based on current listings on Migrate Mate as of November 2026. Credit unions, insurance providers, healthcare membership organizations, and financial services firms tend to post the most openings at this level, often seeking candidates who are new to the field but eager to build member relationships.
Are there remote entry level member service representative jobs?
Yes, though most openings at this level are still on-site or hybrid. About 20% of entry level member service representative openings are remote or hybrid as of November 2026, reflecting employer preferences for in-person training and supervised onboarding during the early stages of the role. Filtering by work setting when you search will help you find the arrangement that fits your situation.
Are these new grad member service representative jobs?
Yes, many of the listings on this page are new grad and junior roles that explicitly welcome recent graduates and candidates with little or no prior experience. A new grad-friendly posting typically states it accepts zero to two years of experience, counts internships or part-time service roles toward that threshold, or welcomes a portfolio of relevant coursework and volunteer work in place of a full employment history.
Which industries hire the most entry level member service representatives?
Entry Level member service representative roles concentrate in Insurance and Banking & Financial Services, based on current listings on Migrate Mate as of November 2026. These sectors drive hiring at this level because their business models depend on ongoing member relationships, renewal cycles, and high-volume contact with customers who need help navigating benefits, accounts, or service plans, making entry level candidates a practical fit for frontline roles.