Mortgage Underwriter

Category; Bahrain; On-site; BHD 16,000 - 26,000; Full time

Job summary

Mindrift connects mortgage underwriters and loan originators with project-based AI evaluation opportunities for leading lenders. Participation is project-based, not permanent employment.

You will evaluate AI-generated underwriting decisions, create test cases for self-employed income, and draft compliance notices for Reg B/ECOA. Tasks are 10–20 hours per week, with pay up to $50 per hour depending on level and pace of contribution.

Qualifications

• 3+ years of mortgage, lending, real estate, or financial services experience.
• Current or recent experience in underwriting & origination or adjacent roles.
• Ability to calculate qualifying income for self-employed borrowers from IRS Forms 1040, Schedule C, Schedule E, and K-1
• Deep familiarity with Fannie Mae / Freddie Mac selling guides and knowledge of Reg B, Reg Z, and TRID disclosure timing rules
• Strong written English (C1+)

Responsibilities

• Evaluate AI-generated mortgage underwriting decisions across loan types (conforming, jumbo, FHA, VA, cash-out refinance)
• Create test cases involving qualifying income calculations for self-employed borrowers
• Draft and audit conditional approval letters and adverse action notices for Reg B / ECOA compliance
• Distinguish selling guide rules from lender overlays in jumbo and non-conforming loan scenarios
• Document problem statements clearly and provide verified correct answers

Skills

Mortgage underwriting

Self-employed income calculation

Reg B / Reg Z / TRID knowledge

Fannie Mae / Freddie Mac guides

Strong written English

Underwriting/origination experience

Education

Finance/ Economics/ Business Admin/ Accounting/ Real Estate degree

Job description

Mindrift connects specialists with project-based AI opportunities for leading tech companies, focused on testing, evaluating, and improving AI systems.

Participation is project-based, not permanent employment.

What this opportunity involves

• Evaluate AI-generated mortgage underwriting decisions across loan types (conforming, jumbo, FHA, VA, cash-out refinance)
• Create test cases involving qualifying income calculations for self-employed borrowers using Schedule C, K-1, and Schedule E
• Draft and audit conditional approval letters and adverse action notices for Reg B / ECOA compliance
• Distinguish Fannie Mae / Freddie Mac selling guide rules from lender overlays in jumbo and non-conforming loan scenarios
• Document problem statements clearly and provide verified correct answers

What we look for

This opportunity is a good fit for mortgage underwriters and loan origination professionals open to part-time, non-permanent projects.

Ideally, contributors will have:

• Degree in Finance, Economics, Business Administration, Accounting, Real Estate, or any related field
• 3+ years of of mortgage, lending, real estate, or financial services experience
• Current or recent experience in underwriting & origination or adjacent roles
• Ability to calculate qualifying income for self-employed borrowers from IRS Forms 1040, Schedule C, Schedule E, and K-1
• Deep familiarity with Fannie Mae / Freddie Mac selling guides and knowledge of Reg B, Reg Z, and TRID disclosure timing rules
• Strong written English (C1+)

How it works

Apply → Pass qualification(s) → Join a project → Complete tasks → Get paid

Project time expectations

For this project, tasks are estimated to require around 10–20 hours per week during active phases, based on project requirements.

This is an estimate, not a guaranteed workload, and applies only while the project is active.

Compensation

On this project, contributors can earn up to $50 per hour equivalent, depending on their level and pace of contribution.

Compensation varies across projects depending on scope, complexity, and required expertise.

Please note that other projects on the platform may offer different earning levels based on their requirements.