Senior Mortgage Underwriter

Please submit your CV in English and indicate your level of English proficiency. 

Mindrift connects specialists with project-based AI opportunities for leading tech companies, focused on testing, evaluating, and improving AI systems. Participation is project-based, not permanent employment.

What this opportunity involves

While each project involves unique tasks, contributors may:

• Evaluate AI-generated mortgage underwriting decisions across loan types (conforming, jumbo, FHA, VA, cash-out refinance);
• Create test cases involving qualifying income calculations for self-employed borrowers using Schedule C, K-1, and Schedule E;
• Design pre-qualification scenarios based on realistic rate sheets across different credit score ranges and down-payment percentages;
• Draft and audit conditional approval letters and adverse action notices for Reg B / ECOA compliance;
• Verify gift fund documentation chains and disclosure timing under TRID, Reg Z, and RESPA;
• Distinguish Fannie Mae / Freddie Mac selling guide rules from lender overlays in jumbo and non-conforming loan scenarios;
• Apply correct rulesets for rate-and-term vs. cash-out refinances, including state-specific overlays (e.g. Texas Section 50(a)(6));
• Document problem statements clearly and provide verified correct answers.

What we look for

This opportunity is a good fit for mortgage underwriters and loan origination professionals open to part-time, non-permanent projects. Ideally, contributors will have:

• Degree in Finance, Business, Economics, or any related field;
• 3+ years of residential mortgage underwriting or equivalent professional experience; FHA Direct Endorsement (DE) or VA Credit Underwriter authority is a strong signal;
• Ability to calculate qualifying income for self-employed borrowers from IRS Forms 1040, Schedule C, Schedule E, and K-1;
• Deep familiarity with Fannie Mae / Freddie Mac selling guides and the overlay-versus-rule distinction;
• Knowledge of Reg B adverse action requirements, Reg Z, and TRID disclosure timing rules;
• Familiarity with automated underwriting systems (DU / LP) and loan origination software (Encompass, Empower);
• Strong written English (C1+).

How it works

Apply → Pass qualification(s) → Join a project → Complete tasks → Get paid

Project time expectations

For this project, tasks are estimated to require around 10–20 hours per week during active phases, based on project requirements. This is an estimate, not a guaranteed workload, and applies only while the project is active.

Compensation

On this project, contributors can earn up to $60 per hour equivalent , depending on their level and pace of contribution.

Compensation varies across projects depending on scope, complexity, and required expertise. Please note that other projects on the platform may offer different earning levels based on their requirements.