p>While each project involves unique tasks, contributors may: - Evaluate AI-generated mortgage underwriting decisions across loan types (conforming, jumbo, FHA, VA, cash-out refinance);
- Create test cases involving qualifying income calculations for self-employed borrowers using Schedule C, K-1, and Schedule E;
- Draft and audit conditional approval letters and adverse action notices for Reg B / ECOA compliance;
- Distinguish Fannie Mae / Freddie Mac selling guide rules from lender overlays in jumbo and non-conforming loan scenarios;
- Document problem statements clearly and provide verified correct answers. Ideally, contributors will have:
- Degree in Finance, Economics, Business Administration, Accounting, Real Estate, or any related field;
- 3+ years of of mortgage, lending, real estate, or financial services experience;
- Current or recent experience in underwriting & origination or adjacent roles;
- Ability to calculate qualifying income for self-employed borrowers from IRS Forms 1040, Schedule C, Schedule E, and K-1;
- Deep familiarity with Fannie Mae / Freddie Mac selling guides and knowledge of Reg B, Reg Z, and TRID disclosure timing rules;
- Strong written English (C1+).