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. This opportunity is a good fit for mortgage underwriters and loan origination professionals open to part-time, non-permanent projects.
Requirements
- Degree in Finance, Business, Economics, or any related field
- 3+ years of residential mortgage underwriting or equivalent professional experience
- FHA Direct Endorsement (DE) or VA Credit Underwriter authority is a strong signal
- 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 the overlay-versus-rule distinction
- Knowledge of Reg B adverse action requirements, Reg Z, and TRID disclosure timing rules
- Familiarity with automated underwriting systems (DU / LP) and loan origination software (Encompass, Empower)
- 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
- Design pre-qualification scenarios based on realistic rate sheets across different credit score ranges and down-payment percentages
- Draft and audit conditional approval letters and adverse action notices for Reg B / ECOA compliance
- Verify gift fund documentation chains and disclosure timing under TRID, Reg Z, and RESPA
- Distinguish Fannie Mae / Freddie Mac selling guide rules from lender overlays in jumbo and non-conforming loan scenarios
- Apply correct rulesets for rate-and-term vs. cash-out refinances, including state-specific overlays (e.g. Texas Section 50(a)(6))
- Document problem statements clearly and provide verified correct answers
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
Upload and Match Resume
What This Job Offers
Job Type
Part-time
Career Level
Senior
