Residential Mortgage Loan Underwriter (Contract)

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

Residential Mortgage Loan Underwriter (Contract)

Vision:Enterprises operating on institutional intelligence—governed, self-improving, and scalable beyond individual expertise.

JazzX AI is defining the future of enterprise work—by building AI-native digital workers that actually get the job done.

We believe enterprises don't scale expertise—they lose it. Knowledge stays trapped in individuals, judgment gets applied inconsistently, and the best talent spends time on work that should run itself. We're changing that.

JazzX AI transforms messy enterprise reality into institutional intelligence: governed digital workers that capture expert judgment, make every decision explainable, and continuously improve through real-world execution. The result is faster decisions, higher-quality outcomes, and reliable execution at scale—in domains where getting it wrong isn't an option.

We're starting with lending and due-diligence workflows—complex, regulated, high-stakes. From here, we're building the backbone for enterprise intelligence across industries.

This is early‑stage, hard, and consequential work. If you want to be part of bringing AI systems to market that actually run in production, handle real complexity, and deliver real outcomes—not demos, not chatbots—JazzX AI is the place.

SAIGroup a private investment firm that has committed $1B to build and scale next-generation, AI-powered enterprise software companies. SAIGroup’s portfolio serves 2,000+ global enterprise customers, generates nearly $800M in annual revenue, and employs 4,000+ people worldwide — providing JazzX AI with long‑term capital, deep operating expertise, and access to real-world enterprise scale from day one.

Role Overview

As a Part‑Time Residential Mortgage Loan Underwriter Consultant at JazzX AI, you will leverage your deep expertise in underwriting to build AI‑technology to support mortgage underwriting activities. You will work closely with engineering, and product teams to convert real-world underwriting decisions into robust AI logic.

Contract Duration: 6 months (potential to extend up to 12 months)

Key Responsibilities

• Underwriting & File Assessment
  • 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.
• Process Mapping & Rule Development
  • 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.
• Knowledge Transfer & Training
  • 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.

Required Qualifications

• Experience: 4–10 years in residential mortgage underwriting at a senior or specialist level.
• Analytical Acumen: Proven ability to assess borrower credit, income, assets, and collateral with accuracy and consistency.
• Communication: Exceptional verbal and written skills to articulate underwriting logic and decision processes.
• Consulting Approach: Comfortable in an iterative environment, providing structured feedback to product and engineering teams.

Preferred Qualifications

• Experience at large retail or independent mortgage lenders (e.g., Wells Fargo, Rocket Mortgage, Chase).
• Background in manual underwriting, AUS overrides, or secondary market delivery.
• Familiarity with post-closing QC, servicing reviews, and secondary market delivery processes.
• Prior involvement in technology or automation initiatives within mortgage operations.

We are at the beginning of a new era— one where enterprise systems will no longer be static tools, butdynamic collaboratorsthat learn, reason, and evolve alongside the people who use them.

JazzX AI brings together vision, deep technology, and purpose. This is not about experimenting with AI features; it’s about turning the promise ofAGIintopractical, auditable, and human-aligned systems that enterprises can trust and rely on at scale. The work here directly impacts productivity, efficiency, and decision-making in complex, real-world environments.

If you’re motivated by building systems that matter — systems that combine intelligence with responsibility — JazzX AI offers the chance to do that work at a deeper level, with real ownership and lasting impact.

Headquartered in Los Altos, CA. Backed by SAIGroup.

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