Senior Mortgage Underwriter

Job Summary

Evaluating AI-generated mortgage underwriting decisions, the part-time Senior Mortgage Underwriter will engage in project-based tasks remotely, focusing on creating test cases and ensuring compliance with regulatory requirements.

Key responsibilities

• Evaluate AI-generated mortgage underwriting decisions across various loan types
• Create test cases for qualifying income calculations for self-employed borrowers
• Draft and audit conditional approval letters and adverse action notices for compliance

Required qualifications

• Degree in Finance, Business, Economics, or a related field
• 3+ years of residential mortgage underwriting or equivalent professional experience
• Ability to calculate qualifying income for self-employed borrowers from IRS Forms
• Deep familiarity with Fannie Mae / Freddie Mac selling guides and overlays
• Knowledge of Reg B, Reg Z, and TRID disclosure timing rules