Residential Mortgage Loan Underwriter Consultant (Contract)
Residential Mortgage Loan Underwriter Consultant (Contract)
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Salary Not Disclosed
1 Vacancy
Job Description
As a PartTime Residential Mortgage Loan Underwriter Consultant at JazzX AI you will leverage your deep expertise in underwriting to build AI-technology to support mortgage underwriting activities. You will work closely with engineering and product teams to convert real-world underwriting decisions into robust AI logic.
Contract Duration:36 months (potential to extend up to 12 months)
Time Commitment:up to 20 hours/week (flexible)
Key Responsibilities
- Underwriting & File Assessment
- Underwrite a variety of residential mortgage loan files (purchase rateterm refinance cashout refinance) per Fannie Mae DU and Freddie Mac LP guidelines.
- Document underwriting rationale risk profiles and exception handling.
- Process Mapping & Rule Development
- Deconstruct end-to-end underwriting workflowsfrom borrower qualification and income/asset verification to AUS findings and final approval.
- Identify critical decision points and edge cases crucial for AI modeling.
- Model Validation & Feedback
- Blind-test AI-generated underwriting recommendations against manual assessments.
- Provide granular feedback to engineering teams to fine-tune decision rules and confidence thresholds.
- Knowledge Transfer & Training
- Create clear actionable guides on complex topics (e.g. compensating factors manual AUS overrides GSE compliance).
- Host virtual workshops or Q&A sessions to transfer domain knowledge to cross-functional teams.
- Experience:510 years in residential mortgage underwriting at a senior or specialist level.
- GSE Mastery:Deep hands-on knowledge of Fannie Mae DU and/or Freddie Mac LP guidelines.
- Analytical Acumen:Proven ability to assess borrower credit income assets and collateral with accuracy and consistency.
- Communication:Exceptional verbal and written skills to articulate underwriting logic and decision processes.
- Consulting Approach:Comfortable in an iterative environment providing structured feedback to product and engineering teams.
- Experience at large retail or independent mortgage lenders (e.g. Wells Fargo Rocket Mortgage Chase).
- Background in manual underwriting AUS overrides or secondary market delivery.
- Familiarity with post-closing QC servicing reviews and secondary market delivery processes.
- Prior involvement in technology or automation initiatives within mortgage operations.
Required Experience:
Contract
Employment Type
Contract
