Mortgage Loan Officer I – Refinance Loan Officer

Navy Federal Credit Union

. Interview and counsel members about first mortgage loans .

Posted 9/18/2026full-timePensacola • Florida • United StatesMid-LevelSenior💰 $23 - $28 per hourWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in mortgage lending processes, including application, approval, and closing, while effectively guiding members through complex financial products and maintaining strong referral relationships. Proficient in utilizing automated systems and software for accurate data management and member service.

Highest-signal resume keywords

Mortgage Loan Application ProcessingMember/Customer Service ExperienceFamiliarity With Lending PrinciplesEffective Database SkillsNavy Federal Mortgage Systems Knowledge

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Mortgage Lending ConceptsMathematical Calculation SkillsNumerical Accuracy SkillsWord-Processing Software SkillsSpreadsheet Software Skills

Soft Skills

Effective CommunicationRelationship BuildingPresentation SkillsAnalytical SkillsCustomer Loyalty Enhancement

Tools & Technologies

Automated SystemsDatabase SoftwarePresentation Software

Certifications & Qualifications

Nationwide Mortgage Licensing System Registration

Industry Keywords

Bank Secrecy Act RegulationsVA Loan Program RequirementsConventional Loan Program RequirementsMortgage Processing RegulationsFinancial Institution Standards

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 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
Comply with 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 realty, insurance, retail banking, or a financial institution
Exposure to the 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
Ability to guide members through interactions to reduce member effort and enhance member loyalty
Ability to comprehend, analyze, apply, and communicate complex written legal documents
Ability to speak and/or present professionally in front of groups
Effective word-processing and spreadsheet software skills
Working knowledge of Navy Federal Mortgage Production and/or Servicing Systems preferred
Working knowledge of mortgage/equity loan processing, closing, documentation requirements, and regulations preferred
Familiarity with VA and conventional loan program requirements, regulations, and procedures preferred
Monday–Friday availability, 8:00 AM–4:30 PM

Benefits

Comp & perks

Highly competitive pay
Generous benefits and perks
Employee referral program eligibility
Equal employment opportunity
Medical accommodations during the application and hiring process