JBA International · 4 months ago
Residential Mortgage Loan Underwriter Consultant (Contract)
San Francisco Bay Area, California, US
Full-time, Contract
Onsite
Senior Level
5+ years expJBA International is seeking a Part-Time Residential Mortgage Loan Underwriter Consultant to leverage expertise in underwriting and support the development of AI technology for mortgage underwriting activities. The role involves underwriting mortgage loan files, process mapping, model validation, and knowledge transfer to engineering and product teams.
ConsultingHealth CareLegalProfessional Services
No H1B
U.S. Citizen Only
Responsibilities
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
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
Blind-test AI-generated underwriting recommendations against manual assessments
Provide granular feedback to engineering teams to fine-tune decision rules and confidence thresholds
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
Qualification
Required
5–10 years in residential mortgage underwriting at a senior or specialist level
Deep, hands-on knowledge of Fannie Mae DU and/or Freddie Mac LP guidelines
Proven ability to assess borrower credit, income, assets, and collateral with accuracy and consistency
Exceptional verbal and written skills to articulate underwriting logic and decision processes
Comfortable in an iterative environment, providing structured feedback to product and engineering teams
Preferred
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
Company
JBA International
JBA International provides financial, life science, healthcare, legal, and office administration services.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Jacqueline Buickians
Chief Executive Officer
Company data provided by crunchbase