Hybrid Mortgage Underwriter – Conventional​/FHA​/VA; OKC Metro

Mortgage Underwriter

Salary: $85,000

Location:
Oklahoma City, OK (Hybrid must reside in the OKC metro area)

Employment Type:
Full-Time

Trinity Employment Specialists is partnering with the largest independent residential mortgage lender in Oklahoma to hire an experienced Mortgage Underwriter. This locally owned organization focuses exclusively on residential lending no commercial and has built its reputation on integrity, service, and long-term relationships.

As a single-owner company, they maintain a strong, unified culture and are intentional about who represents their brand. They are looking for someone who not only brings underwriting expertise, but who is committed to personal growth, professional development, and continuous improvement. Cultural fit, professionalism, and alignment with their values matter just as much as experience.

The Mortgage Underwriter is responsible for reviewing and approving residential loan applications in compliance with agency and investor guidelines. This individual will work closely with loan officers and processors to ensure timely, accurate, and well-communicated decisions that support both compliance and customer experience.

• This is a hybrid position, but candidates must live within the Oklahoma City metro area.

• Underwrite Conventional, FHA (DE), and VA (SAR) residential loans in accordance with agency guidelines
• Review credit, income, assets, collateral, and supporting documentation to assess overall loan risk
• Issue clear and concise underwriting decisions and conditions
• Communicate effectively with the loan team to resolve issues and move files efficiently toward closing
• Maintain compliance, quality control, and accuracy standards
• Manage pipeline volume while meeting established turn times

• Minimum of 3 years experience underwriting Conventional, FHA (DE), and VA (SAR) loans
• Experience with HUD 184 and USDA loans is a plus
• Strong understanding of Desktop Underwriter (DU) and Loan Prospector (LP)
• Experience with Encompass software preferred
• Exceptional verbal and written communication skills
• Strong analytical and problem-solving abilities
• Excellent time management and organizational skills
• High attention to detail and accuracy
• Positive, team-oriented attitude

The ideal candidate takes ownership, values integrity, and understands they are representing a respected Oklahoma brand. They are adaptable, growth-oriented, and motivated to evolve alongside a company that prioritizes excellence in residential lending.

TRINITY EMPLOYMENT SPECIALISTS IS AN EQUAL OPPORTUNITY EMPLOYER

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* Evaluate, authorize, or recommend approval of commercial, real estate, or credit loans. Advise borrowers on financial status and payment methods. Includes mortgage loan officers and agents, collection analysts, loan servicing officers, loan underwriters, and payday loan officers.

* Meet with applicants to obtain information for loan applications and to answer questions about the process.

* Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.

* Approve loans within specified limits, and refer loan applications outside those limits to management for approval.

* Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.

* Submit applications to credit analysts for verification and recommendation.

* Review loan agreements to ensure that they are complete and accurate according to policy.

* Review and update credit and loan files.

* Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.

* Work with clients to identify their financial goals and to find ways of reaching those goals.

* Handle customer complaints and…