JBA International

Residential Mortgage Loan Underwriter Consultant (Contract)

JBA International  •  California (Onsite)  •  4 months ago
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Job Description

 
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. 
 
JBA International

About JBA International

JBA is over 35 year old company leading the way for the future of work, GenAI and digital transformation. Started by two Software Engineers, we have serviced many industries with consulting, workforce, and innovation projects-- Insurance, Banking, Legal, Defense, Entertainment, Tele-Comm and more.

We look at every opportunity as a project whether facilitating connections between talent and companies or working with business owners and executives in how to build automation, improve operations, and build out successful teams.

We hope you can use our page as a resource for current opportunities we have, as well as reaching out with your thoughts on the industry.

Industry
Consulting & Advisory
Company Size
51-200 employees
Headquarters
Pasadena, CA
Year Founded
1988
Website
jba.com
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