Residential Mortgage Loan Underwriter (Contract)
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About this role
Role Overview
As a Part‑Time 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: 6 months (potential to extend up to 12 months)
Key Responsibilities:
- Underwriting & File Assessment
- Underwrite a variety of residential mortgage loan files (purchase, rate‑term refinance, cash‑out 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 workflows—from 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.
Required Qualifications
- Experience: 4–10 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.
Preferred Qualifications
- 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.
Why Join JazzX AI:
What draws people to JazzX AI is the opportunity to build something truly foundational.
We are at the beginning of a new era — one where enterprise systems will no longer be static tools, but dynamic collaborators that learn, reason, and evolve alongside the people who use them. At JazzX AI, you’ll help build a platform that redefines how work happens in the AGI era.
JazzX AI brings together vision, deep technology, and purpose. This is not about experimenting with AI features; it’s about turning the promise of AGI into practical, auditable, and human-aligned systems that enterprises can trust and rely on at scale. The work here directly impacts productivity, efficiency, and decision-making in complex, real-world environments.
If you’re motivated by building systems that matter — systems that combine intelligence with responsibility — JazzX AI offers the chance to do that work at a deeper level, with real ownership and lasting impact.
Headquartered in Los Altos, CA. Backed by SAIGroup.
Learn more about JazzX AI:
Website: https://jazzx.ai
LinkedIn: https://www.linkedin.com/company/jazzx-ai
Learn more about SAIGroup:
Website: https://saigroup.ai
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