Mindrift
Mortgage Underwriter - Freelance AI Trainer
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Mortgage Underwriter - Freelance AI Trainer
Mindrift AI Underwriting Contributor – Mortgage & Loan Origination Expertise Project-Based Participation
Please submit your CV in English and indicate your level of English proficiency.
About the Role Mindrift connects specialists with project-based AI opportunities for leading tech companies, focusing on testing, evaluating, and enhancing AI systems. This is not permanent employment but involves temporary contributions tailored to specific projects.
What This Opportunity Involves
Each project exists unique tasks, but contributors may engage in the following responsibilities:
- Evaluate AI-generated mortgage underwriting decisions across:
- Conforming loans
- Jumbo loans
- FHA loans
- VA loans
- Cash-out refinance applications
- Create test cases for income qualification, specifically:
- Self-employed borrowers (using Schedule C, K-1, and Schedule E)
- Draft and audit conditional approval letters and adverse action notices while ensuring compliance with Reg B (Equal Credit Opportunity Act) / ECOA.
- Differentiate Fannie Mae / Freddie Mac selling guide rules from lender overlays, especially in jumbo and non-conforming loan scenarios.
- Develop clear problem statements with verified correct answers.
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What We Look For
This opportunity suits mortgage underwriters and loan origination professionals comfortable with short-term, non-permanent projects. The ideal applicant will typically possess:
Qualifications & Experience
- A degree in Finance, Economics, Business Administration, Accounting, Real Estate, or related fields.
- 3+ years of experience in mortgage lending, real estate, financial services, or adjacent roles.
- Current or recent experience in underwriting & origination.
- Proficiency in qualifying income calculations from IRS forms like 1040, Schedule C, Schedule E, and K-1.
- In-depth knowledge of:
- Fannie Mae / Freddie Mac selling guides
- Reg B (Equal Credit Opportunity Act)
- Reg Z (Truth in Lending Act)
- TRID disclosure timing rules
- Strong written proficiency in English (C1+).
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How It Works
- Apply → Pass qualification assessments → Join a project → Complete tasks → Get paid.
Project Time Expectations
- Active phases typically require 10-20 hours per week, depending on project scope. This is a guestimate—workloads may fluctuate under active conditions.
Compensation
- For this specific project, contributors earn up to $60/hour equivalent, scalable based on workload and contribution pace.
- Note: Earnings vary across projects; scope, complexity, and required expertise determine rates. Learn more by exploring available opportunities on our platform.
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