Residential Mortgage Loan Underwriter (Contract)

About the Role

As a Part-Time Residential Mortgage Loan Underwriter Consultant at JazzX AI, you will leverage your deep expertise in underwriting to build AI-technology that supports mortgage underwriting activities. You will work closely with engineering and product teams to convert real-world underwriting decisions into robust AI logic. Contract duration: 6 months (potential to extend up to 12 months).

Responsibilities

• Underwriting & File Assessment
  • 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.
• Process Mapping & Rule Development
  • 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.
• Model Validation & Feedback
  • Blind-test AI-generated underwriting recommendations against manual assessments.
  • Provide granular feedback to engineering teams to fine-tune decision rules and confidence thresholds.
• Knowledge Transfer & Training
  • 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.

Requirements

• Experience: 4–10 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 Qualifications

• 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.

About JazzX AI

JazzX AI is defining the future of enterprise work by building AI-native digital workers that capture expert judgment, make every decision explainable, and continuously improve through real-world execution. We transform messy enterprise reality into institutional intelligence: governed digital workers that deliver faster decisions, higher-quality outcomes, and reliable execution at scale in high-stakes, regulated domains like lending and due-diligence workflows.

Backed by SAIGroup—a private investment firm with $1B committed to scaling next-generation, AI-powered enterprise software—JazzX AI benefits from long-term capital, deep operating expertise, and access to real-world enterprise scale from day one. SAIGroup’s portfolio serves 2,000+ global enterprise customers, generates nearly $800M in annual revenue, and employs 4,000+ people worldwide.

Why Join JazzX AI

At JazzX AI, you’ll help build a platform that redefines how work happens in the AGI era. This is not about experimenting with AI features; it’s about turning the promise of AGI into practical, auditable, and human-aligned systems that enterprises can trust and rely on at scale. The work here directly impacts productivity, efficiency, and decision-making in complex, real-world environments.

If you’re motivated by building systems that matter—systems that combine intelligence with responsibility—JazzX AI offers the chance to do that work at a deeper level, with real ownership and lasting impact.

Headquartered in Los Altos, CA.