Residential Mortgage Loan Underwriter Consultant (Contract) Job at JBA International, Bay County, FL

TXh6eXhkdGgvNGwxSHg3S0t5RmJ5Ly9Ddmc9PQ==
  • JBA International
  • Bay County, FL

Job Description

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: 3–6 months (potential to extend up to 12 months) 
Time Commitment: up to 20 hours/week (flexible) 
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. 
  • Model Validation & Feedback
    • 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: 5–10 years in residential mortgage underwriting at a senior or specialist level.
  • GSE Mastery: Deep, hands-on knowledge of Fannie Mae DU and/or Freddie Mac LP guidelines.
  • 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. 
 

Job Tags

Contract work, Part time, Flexible hours,

Similar Jobs

Sabal Palms Health & Rehabilitation

Housekeeping Assistant Job at Sabal Palms Health & Rehabilitation

 ...purpose of this position is to perform the daily activities of the Housekeeping Department in accordance with current federal, state, and...  ...Housekeeping, to assure that our facility is maintained in a clean, safe, and comfortable manner. Essential Job Functions Duties... 

Mt. Washington Baptist Daycare

Day Care Director Job at Mt. Washington Baptist Daycare

Summary Daycare Director Faith-Based Center Full-Time | Cincinnati, OH We are a Christian daycare center seeking a caring and organized Daycare Director to lead our faith-based early childhood program. This role supports staff, partners with families, ensures...

Family Resource Home Care

In Home Caregiver Job at Family Resource Home Care

 ...Come join our award-winning caregiving team! If you are passionate about improving lives, you belong here. Our caregivers are our most...  ...are never alone we are a team!~ Hands-on Training . No experience? No problem. We train new caregivers to provide the level of care... 

Confluent Health System Solutions

Certified Intern Athletic Trainer - Georgia Tech Sports Medicine Job at Confluent Health System Solutions

Overview: Georgia Tech Sports Medicine is currently seeking Certified Intern Athletic Trainers for the 2026-2027 school year. Position Summary: The Georgia Tech Sports Medicine Certified Intern Athletic Trainer is responsible for providing prevention and care... 

Murgado Automotive Group

IT Helpdesk Technician Level 2 Job at Murgado Automotive Group

IT Helpdesk Technician About The Role Murgado Automotive Group is seeking a motivated and skilled IT Helpdesk Technician to join...  ...technical support via phone, email, and ticketing system Provide remote support using RMM tools (e.g., ConnectWise Automate) Install...