Residential Mortgage Loan Underwriter Consultant (Contract)

JBA International

Role Overview
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: 3-6 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 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: 5-10 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.

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Vacancy posted 2 days ago

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