Senior Mortgage Underwriter - Freelance AI Trainer
M
MindriftFinancial Services, AI
South Carolina, United States. Colorado, United States. Kentucky, United States. Arizona, United States. Rhode Island, United States. Mississippi, United StatesPart-TimeSenior
SalaryUp to $60 per hour equivalent
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Job Details
- Languages
- Strong written English (C1+)
- Experience
- 3+ years
Requirements
- 3+ years of residential mortgage underwriting or equivalent professional experience.
- FHA Direct Endorsement (DE) or VA Credit Underwriter authority preferred.
- Degree in Finance, Business, Economics, or related field.
- Proficiency in calculating qualifying income for self-employed borrowers using IRS Forms 1040, Schedule C, Schedule E, and K-1.
- Deep familiarity with Fannie Mae/Freddie Mac selling guides.
- Knowledge of Reg B adverse action, Reg Z, and TRID disclosure timing rules.
- Experience with automated underwriting systems (DU/LP).
- Familiarity with loan origination software such as Encompass or Empower.
- Strong written English (C1+ proficiency).
- Openness to part-time, non-permanent project-based work.
Responsibilities
- Evaluate AI-generated mortgage underwriting decisions across various loan types including conforming, jumbo, FHA, and VA.
- Create test cases for qualifying income calculations for self-employed borrowers using Schedule C, K-1, and Schedule E.
- Design pre-qualification scenarios based on realistic rate sheets, 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 and disclosure timing under TRID, Reg Z, and RESPA.
- Distinguish Fannie Mae/Freddie Mac selling guide rules from lender overlays.
- Apply rulesets for rate-and-term vs. cash-out refinances and state-specific overlays.
- Document problem statements and provide verified correct answers for AI system improvement.
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