Texas Licensed Mortgage Underwriter

Job Summary

Evaluating AI-generated mortgage underwriting decisions, the part-time Texas Licensed Mortgage Underwriter will create test cases, draft compliance documents, and verify loan documentation while working remotely on a project-based freelance basis.

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 experience
• Ability to calculate qualifying income from IRS Forms 1040, Schedule C, Schedule E, and K-1
• Familiarity with Fannie Mae / Freddie Mac selling guides and overlay distinctions
• Knowledge of Reg B, Reg Z, and TRID disclosure timing rules