Mortgage Product Analyst - Contractual

Ocrolus Inc.; United States; Remote; USD 60,000 - 80,000; Full time

Job summary

A leading fintech company in the United States is seeking an experienced mortgage underwriter to apply guidelines and validate mortgage underwriting tools. The role requires 5+ years of underwriting experience, strong skills in documentation review, and the ability to communicate findings effectively. This position offers a remote work environment with a compensation of $60 per hour.

Qualifications

• 5+ years of mortgage underwriting experience, including FHA and VA.
• Skilled in reviewing borrower documentation such as W-2s, tax returns, pay stubs.
• Strong expertise in income analysis and credit evaluation.

Responsibilities

• Apply guidelines to test mortgage underwriting tools.
• Review borrower documentation and confirm application of underwriting rules.
• Document test results and recommend solutions for compliance.

Skills

Mortgage underwriting experience

Documentation review

Income analysis

Credit evaluation

Communication skills

Job description

Overview

Come build at the intersection of AI and fintech. At Ocrolus, we’re on a mission to help lenders automate workflows with confidence—streamlining how financial institutions evaluate borrowers and enabling faster, more accurate lending decisions.

Our AI-powered data and analytics platform is trusted at scale, processing nearly one million credit applications every month across small business, mortgage, and consumer lending. By integrating state-of-the-art open- and closed-source AI models with our human-in-the-loop verification engine, Ocrolus captures data from financial documents with over 99% accuracy. Thanks to our advanced fraud detection and comprehensive cash flow and income analytics, our customers achieve greater efficiency in risk management, and provide expanded access to credit—ultimately creating a more inclusive financial system.

Trusted by more than 400 customers—including Better Mortgage, Brex, Enova, Nova Credit, PayPal, Plaid, SoFi, and Square—Ocrolus stands at the forefront of AI innovation in fintech. Join us, and help redefine how the world’s most innovative lenders do business.

What you’ll do

• Product Analysis
• Apply advanced knowledge of Fannie Mae, Freddie Mac, FHA, and VA guidelines to rigorously test mortgage underwriting tools and validate accuracy.
• Review borrower documentation (income, assets, credit, collateral, AUS findings) and confirm the correct application of underwriting rules within the product.
• Document test results thoroughly, flag discrepancies, and recommend solutions to ensure compliance with agency and investor standards.
• Organize, prioritize, and track enhancement opportunities to drive continuous product improvement.
• Serve as the subject matter expert on underwriting practices, providing clarity and context to both technical and non-technical teams.
• Translate complex underwriting requirements into clear, actionable Jira tickets, product specifications, or roadmap items.
• Partner closely with Product, Engineering, and QA teams to guide enhancements and ensure underwriting accuracy throughout the development lifecycle.
• Provide ongoing SME input to influence roadmap prioritization, feature design, and product compliance decisions.
• Communicate findings and recommendations effectively to both leadership and cross-functional stakeholders, ensuring alignment across teams.

Who we’re looking for (Skills and Qualifications)

• 5+ years of mortgage underwriting experience, including FHA and VA.
• Skilled in reviewing borrower documentation (e.g., W-2s, tax returns, pay stubs, self-employment income, appraisal, title, etc.).
• Strong expertise in income analysis, credit evaluation, collateral review, and AUS findings.
• Experience testing technology products or tools is a plus.
• Tech-savvy with ability to critique mortgage software and explain findings clearly.
• Excellent documentation, prioritization, and communication skills.

Preferred Skills

• Experience with fintech or SaaS mortgage tools.
• Familiarity with automated income calculation or verification platforms.
• Exposure to agile product development environments.

Note

The role requires 8 hours of work per day with compensation of $60 per hour.

Life at Ocrolus

We’re a team of builders, thinkers, and problem solvers who care deeply about our mission — and each other. As a fast-growing, remote-first company, we offer an environment where you can grow your skills, take ownership of your work, and make a meaningful impact.

Our culture is grounded in four core values: Empathy, Curiosity, Humility, Ownership. We believe diverse perspectives drive better outcomes and strive to foster an inclusive workplace where everyone has a seat at the table, regardless of race, gender, gender identity, age, disability, national origin, or any other protected characteristic.

We look forward to building the future of lending together.

How to apply

To apply, please submit your resume and relevant experience.

Some notes about the application process and eligibility are included for context but not required in this refined posting.