Mortgage Underwriter - Freelance AI Trainer

Mindrift • New York, NY

1d

About The Position

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.

Requirements

• 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+)

Responsibilities

• 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

What This Job Offers

• Job Type: Part-time
• Career Level: Mid Level