JazzX AI · 3 weeks ago
Residential Mortgage Loan Underwriter Consultant (Contract)
United States
Full-time, Contract
Remote
Senior Level
5+ years expJazzX AI is on a mission to transform enterprise knowledge work with an AGI-first platform. The Residential Mortgage Loan Underwriter Consultant will leverage underwriting expertise to develop AI technology that supports mortgage underwriting activities, collaborating with engineering and product teams to translate real-world decisions into AI logic.
Computer Software
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
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
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
JazzX AI
We are technologists, designers, builders, and innovators who are revolutionizing traditional business processes and practices with advanced AI technology.
51-200 employees
Funding
Current Stage
Growth StageCompany data provided by crunchbase