Residential Mortgage Loan Underwriter Consultant (Contract)

Role Overview: You will be a PartTime Residential Mortgage Loan Underwriter Consultant at JazzX AI, utilizing your expertise in underwriting to develop AI technology for mortgage underwriting activities. Your role will involve collaborating with engineering and product teams to translate real-world underwriting decisions into strong 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 various residential mortgage loan files (purchase, rateterm refinance, cashout refinance) following Fannie Mae DU and Freddie Mac LP guidelines. - Document underwriting rationale, risk profiles, and exception handling. - Process Mapping & Rule Development - Break down end-to-end underwriting workflows from borrower qualification and income/asset verification to AUS findings and final approval. - Identify crucial decision points and edge cases essential for AI modeling. - Model Validation & Feedback - Conduct blind-tests on AI-generated underwriting recommendations against manual assessments. - Provide detailed feedback to engineering teams for refining decision rules and confidence thresholds. - Knowledge Transfer & Training - Develop clear, actionable guides on complex topics (e.g., compensating factors, manual AUS overrides, GSE compliance). - Conduct 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: Demonstrated ability to assess borrower credit, income, assets, and collateral accurately and consistently. - Communication: Exceptional verbal and written skills for articulating 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. Joining JazzX AI: You will be part of the foundational team at JazzX AI that is driving innovation to create an autonomous intelligence-driven future. Your role will involve pursuing bold ideas, continuous learning, and embracing challenges to build innovative solutions that can transform industries. As an early team member, you will have a significant impact on projects and culture, shaping the future of AI. Benefits: JazzX AI offers a competitive salary, equity options, and a comprehensive benefits package including health, dental, and vision insurance, flexible working arrangements, and more.,