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; Design pre-qualification scenarios based on realistic rate sheets across different credit score ranges and down-payment percentages; Draft and audit conditional approval letters and adverse action notices for Reg B / ECOA compliance; Verify gift fund documentation chains and disclosure timing under TRID, Reg Z, and RESPA; Distinguish Fannie Mae / Freddie Mac selling guide rules from lender overlays in jumbo and non-conforming loan scenarios; Apply correct rulesets for rate-and-term vs. Ideally, contributors will have: Degree in Finance, Business, Economics, or any related field; 3+ years of residential mortgage underwriting or equivalent professional experience; FHA Direct Endorsement (DE) or VA Credit Underwriter authority is a strong signal; 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 the overlay-versus-rule distinction; Knowledge of Reg B adverse action requirements, Reg Z, and TRID disclosure timing rules; Familiarity with automated underwriting systems (DU / LP) and loan origination software (Encompass, Empower); Strong written English (C1+).