Mortgage Loan Officer I/II – Refinance

Navy Federal Credit Union

. Interview and counsel members about first mortgage loans .

Posted 9/19/2026full-timePensacola • Florida • United StatesMid-LevelSenior💰 $23 - $28 per hourWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in mortgage lending processes, including application, approval, and closing, while effectively guiding members through complex financial products and regulations. Strong ability to build relationships and provide exceptional customer service in the banking and financial industry.

Highest-signal resume keywords

Mortgage Loan Application ProcessingCustomer Service Experience in Financial InstitutionsKnowledge of Mortgage Lending RegulationsEffective Public Speaking and Presentation SkillsFamiliarity with Automated Systems

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Mortgage Lending ConceptsMathematical Calculation SkillsDatabase Software SkillsWord Processing Software SkillsSpreadsheet Software Skills

Soft Skills

Interpersonal Relationship BuildingEffective Communication SkillsAnalytical SkillsGuiding Members Through ProcessesPublic Speaking Skills

Tools & Technologies

Navy Federal Mortgage Production SystemsNavy Federal Servicing Systems

Certifications & Qualifications

Registration with Nationwide Mortgage Licensing System

Industry Keywords

Bank Secrecy Act RegulationsLending Application ProcessEquity Loan ProductsRealty and Insurance Industry KnowledgeVA Loan Programs

About the role

Key responsibilities & impact

Interview and counsel members about first mortgage loans
Take mortgage loan applications
Establish and maintain personal relationships with members
Guide and follow mortgage loans from initial application through closing
Determine applicants’ qualifications
Provide detailed information about Navy Federal’s mortgage and equity loan products
Clarify complexities of the mortgage/equity loan process
Evaluate, personalize, and recommend financing alternatives
Build and maintain referral relationships with realtors, builders, and other centers of influence
Adhere to Navy Federal policies, procedures, and Bank Secrecy Act regulations

Requirements

What you’ll need

Ability to work effectively and efficiently with automated systems
Familiarity with accounting, credit, and/or lending principles and techniques
Experience in member/customer service, preferably in a related field/industry such as realty, insurance, retail banking or financial institution
Exposure to lending application and approval process
Familiarity with mortgage lending concepts and principles
Familiarity with banking/financial industry standards and practices
Required to register with the Nationwide Mortgage Licensing System and Registry before assuming employment duties, including fingerprinting and background checks
Effective database and presentation software skills
Effective mathematical calculation and numerical accuracy skills
Effective skill in guiding members through interactions to reduce member effort and enhance member loyalty
Effective skill in comprehending, analyzing, applying and communicating complex written legal documents
Effective public speaking and presentation skills
Effective word processing and spreadsheet software skills
Working knowledge of Navy Federal Mortgage Production and/or Servicing Systems (desired)
Working knowledge of mortgage/equity loan processing, closing and documentation requirements and regulations (desired)
Familiarity with mortgage lending requirements, regulations and procedures for VA and conventional loan programs (desired)
Monday–Friday availability, 8:00 AM–4:30 PM

Benefits

Comp & perks

Highly competitive pay
Generous benefits and perks
Employee referral program eligibility