JazzX AI · 7 hours ago
Mortgage Underwriting Subject Matter Expert
Los Altos
Full-time
Onsite
Senior Level, Lead/Staff
10+ years expJazzX AI is defining the future of enterprise work by building AI-native digital workers. As a Mortgage Underwriting Subject Matter Expert, you will be the authority for residential mortgage underwriting, ensuring that automated processes reflect real-world practices and improve outcomes.
Computer Software
Responsibilities
Underwrite a representative set of U.S. residential mortgage loans (purchase, rate-term refinance, cash-out, manual AUS, AUS overrides) and document outcomes in a compliance-ready format (approve/suspend/decline + detailed rationale, conditions, and exception handling)
Capture decision rationale tied to policy, compensating factors, AUS findings, and investor requirements so engineers and product teams can implement exacting rules
Decompose underwriting decisions suitable for automation
Define fallback logic, explainability requirements, audit trails, and acceptance criteria for automated underwriting features
Map end-to-end underwriting and fulfillment workflows across personas (loan officer, processor, underwriter, closer, post-close QC, servicing, investor delivery). Identify handoffs, data dependencies, common failure modes, and opportunities to reduce rework
Recommend persona-specific ownership models, SLAs, and escalation paths to improve throughput and accountability
Design and run validation programs that blind-test AI/automation outputs against manual underwriter decisions; quantify discrepancies, root causes, and risk
Define monitoring metrics and guardrails (automation coverage, decision accuracy, condition clearance rates) and prioritize remediation of high-risk failures
Specify how underwriting conditions are generated, assigned, prioritized, escalated, and cleared; map condition ownership to personas and LOS fields
Partner with LOS/integration SMEs to ensure canonical loan data objects, consistent field mappings, and traceability for underwriting decisions
Ensure underwriting logic and automation are defensible for regulatory purposes and secondary-market delivery (post-close QC, investor specs)
Maintain up-to-date guidance for policy changes and investor/regulatory impacts on underwriting
Serve as primary domain reviewer for underwriting product specs, test plans, and release readiness
Qualification
Required
10+ years of hands-on U.S. residential mortgage underwriting experience in senior or specialist roles, including manual underwriting and AUS override experience
Deep, current knowledge of Fannie Mae, Freddie Mac, FHA, VA, USDA, and other common investors, AUS findings interpretation, compensating factors, and how investor specifications interact with underwriting decisions
Demonstrated understanding of the responsibilities, incentives, and information flows for loan officers, processors, underwriters, closers, post-close QC teams, servicing teams, and investor/secondary functions
Practical experience with major LOS platforms and the ability to map LOS fields and data schemas to underwriting rules and conditions
Strong analytical skills and experience designing validation/QA programs comparing automated outputs to human decisions
Excellent written and verbal communication skills; proven ability to write playbooks, document rationale in an audit-ready way, and teach cross-functional teams
Ability to translate complex underwriting policy into actionable rules and traceable decision records
Comfort working in cross-functional product and engineering settings; able to specify field mappings, and acceptance criteria
Strong attention to detail and a validation mindset — you can quantify risk, diagnose root causes, and recommend prioritized fixes
Influence and leadership: able to partner with product, engineering, data science, and customer operations to drive adoption and change
Preferred
Experience at large retail or independent mortgage lenders, investor/servicers, or lender-facing technology vendors
Prior involvement in underwriting automation, post-close QC programs, or secondary-market delivery initiatives
Advanced degree or certifications related to mortgage lending, risk, or financial services
Company
JazzX AI
About JazzX AI: Vision: Enterprises operating on institutional intelligence—governed, self-improving, and scalable beyond individual expertise.
51-200 employees
Funding
Current Stage
Growth StageCompany data provided by crunchbase