Contract Senior Mortgage Underwriter — AI-Driven Automation

JazzX AI; Los Altos (CA); On-site; USD 60,000 - 120,000; Part time

Job summary

JazzX AI in Los Altos, CA is seeking a Part-Time Residential Mortgage Loan Underwriter Consultant to apply deep underwriting expertise to AI-enabled processes. You will partner with engineering and product teams to translate real-world underwriting decisions into robust AI logic.

Contract duration is 6 months with potential to extend to 12 months. The role emphasizes documenting rationale, risk profiles, and enabling scalable, auditable underwriting decisions within a production environment.

Qualifications

• 4–10 years in residential mortgage underwriting at a senior or specialist level.
• Analytical ability to assess borrower credit, income, assets, and collateral with accuracy and consistency.
• Exceptional verbal and written communication to articulate underwriting logic and decisions.
• Consulting approach: comfortable in an iterative environment, providing structured feedback to product and engineering teams.

Responsibilities

• 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.
• 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.
• Blind-test AI-generated underwriting recommendations against manual assessments.
• Provide granular feedback to engineering teams to fine-tune decision rules and confidence thresholds.
• 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.

Skills

Analytical thinking

Communication

Consulting mindset

Job description

JazzX AI in Los Altos, CA is seeking a Part-Time Residential Mortgage Loan Underwriter Consultant to apply deep underwriting expertise to AI-enabled processes. You will partner with engineering and product teams to translate real-world underwriting decisions into robust AI logic.

Contract duration is 6 months with potential to extend to 12 months. The role emphasizes documenting rationale, risk profiles, and enabling scalable, auditable underwriting decisions within a production environment.