Residential Mortgage Loan Underwriter Consultant (Contract) Job at JBA International, Bay County, FL

RnBwaG9sTW1XV3phSmsvQ1o4SFhBMkJyZWc9PQ==
  • JBA International
  • Bay County, FL

Job Description

Role Overview  
As a Part‑Time Residential Mortgage Loan Underwriter Consultant at JazzX AI, you will leverage your deep expertise in underwriting to build AI-technology to support mortgage underwriting activities. You will work closely with engineering, and product teams to convert real-world underwriting decisions into robust AI logic. 
Contract Duration: 3–6 months (potential to extend up to 12 months) 
Time Commitment: up to 20 hours/week (flexible) 
Key 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. 
Required Qualifications  
  • Experience: 5–10 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. 
 

Job Tags

Contract work, Part time, Flexible hours,

Similar Jobs

Mechanics & Body Shops Marketplace

Heavy Equipment Mechanic - Excellent Benefits Job at Mechanics & Body Shops Marketplace

Are you tired of working for a company that does not appreciate you? Are you looking for amazing benefits as part of your compensation? Family owned and operated business in Hazleton PA has been in business for over 15 years. Our employees provide innovative,...

JSAV

Audio Visual Technician Job at JSAV

 ...fostering a customer-focused, innovative, and team-oriented culture.Specializing in live events, we provide state-of-the-art audio-visual solutions that elevate conferences, meetings, and events within the hospitality sector. Our skilled technicians and creative professionals... 

Veeva Systems

Technical Consultant - RTSM (Remote) Job at Veeva Systems

 ...employees, society, and investors. As a Work Anywhere company, we support your flexibility to work from home or in the office, so you can thrive in your...  ...position. Days and hours of work are generally Monday through Friday, 9:00 AM to 5:00 PM, however, hours are... 

Sletten Companies

Heavy Equipment Mechanic Job at Sletten Companies

Position Performing maintenance and repairs of a significant nature on all types of equipment and/or assisting with repairs/improvements/maintenance of equipment to assure it is in safe working conditions. Diagnosis, Repair, Preventative Maintenance, and Welding ...

City of Elkins

Elkins Wastewater Apprenticeship Program Application Job at City of Elkins

 ...Operation : Operating valves, pumps, and other machinery to process and clarify wastewater. Sample Collection & Testing : Collecting water and sewage samples for testing, including basic physical, chemical, and microbiological tests. Chemical Treatment : Adding and...