Credit Analyst - Freelance AI Trainer

Role Description

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:

• 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.
• Draft and audit conditional approval letters and adverse action notices for Reg B / ECOA compliance.
• Distinguish Fannie Mae / Freddie Mac selling guide rules from lender overlays in jumbo and non-conforming loan scenarios.
• Document problem statements clearly and provide verified correct answers.

Qualifications

• Degree in Finance, Economics, Business Administration, Accounting, Real Estate, or any related field.
• 3+ years of mortgage, lending, real estate, or financial services experience.
• Current or recent experience in underwriting & origination or adjacent roles.
• 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 knowledge of Reg B, Reg Z, and TRID disclosure timing rules.
• Strong written English (C1+).

Requirements

• This opportunity is a good fit for mortgage underwriters and loan origination professionals open to part-time, non-permanent projects.

Benefits

• For this project, tasks are estimated to require around 10–20 hours per week during active phases, based on project requirements.
• 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.