Mortgage Underwriter - Freelance AI Trainer
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Key skills for this role
About the Role
Mindrift seeks an experienced Mortgage Underwriter for a freelance AI training project. You will evaluate AI-generated underwriting decisions, create test cases, and ensure regulatory compliance.
Key Skills for This Role
Responsibilities
- 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
Requirements
- Degree in Finance, Economics, Business Administration, Accounting, Real Estate, or related field
- 3+ years 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
- Knowledge of Reg B, Reg Z, and TRID disclosure timing rules
- Strong written English (C1+)
Full Job Posting
Opportunity Overview
- Mindrift connects specialists with project based AI opportunities for leading tech companies, focused on testing, evaluating, and improving AI systems.
- Participation is project based, not permanent employment.
What This Opportunity Involves
- 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.
What We Look For
- Degree in Finance, Economics, Business Administration, Accounting, Real Estate, or any related field.
- 3+ years 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+).
Compensation
- Contributors can earn up to $50 per hour equivalent, depending on their level and pace of contribution.
- Compensation varies across projects depending on scope, complexity, and required expertise.
Project Time Expectations
- Tasks are estimated to require around 10 20 hours per week during active phases.
- This is an estimate, not a guaranteed workload, and applies only while the project is active.
How It Works
- Apply → Pass qualification(s) → Join a project → Complete tasks → Get paid.
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