hackajob
Mortgage Underwriter - Freelance AI Trainer
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Mortgage Underwriter - Freelance AI Trainer
ExpertAI Specialist Opportunity – Mortgage Underwriting & Origination
Collaboration Notice: Hackajob is partnering with Mindrift to connect professionals with project-based AI-driven opportunities for leading tech companies. These roles focus on testing, evaluating, and improving AI systems while allowing for flexible, non-permanent contributions.
About the Role
Project-Based: Participation is not permanent employment but involves meaningful one-off or recurring projects. Scope: AI testing & compliance analysis for mortgage loan underwriting systems, mortality downside risk analysis, and loan origination tools.
Responsibilities (Key Tasks)
For each project, contributors may perform one or more of the following:
- Evaluate AI mortgage underwriting decisions across all loan types:
- Conforming loans
- Jumbo loans
- FHA, VA, and cash-out refinance scenarios
- Develop & execute test cases for qualifying income calculations, including:
- IRS Forms 1040, Schedule C, Schedule E, and K-1
- Draft & audit conditional approval and adverse action letters, ensuring compliance with:
- Reg B (ECOA)
- Reg Z (Truth in Lending Act)
- Compare Fannie Mae/Freddie Mac selling guide rules with lender-specific overlays, particularly for:
- Jumbo loans
- Non-conforming loan scenarios
- Document problem statements clearly and provide verified, data-backed correct answers.
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Ideal Candidate Profile
This opportunity is well-suited for mortgage underwriters, loan officers, compliance specialists, or financial analysts with a desire for part-time, dynamic project work.
Minimum Requirements
- Degree in Finance, Economics, Business Administration, Accounting, Real Estate, or a related field.
- 3+ years of experience in mortgage lending, underwriting, loan origination, or financial compliance.
- Current or recent hands-on experience in underwriting & origination.
- Proven skills in income qualification assessment, including:
- IRS Forms 1040, Schedule C, Schedule E, and K-1.
- Deep familiarity with Fannie Mae/Freddie Mac selling guides and principles of:
- Reg B (Equal Credit Opportunity Act)
- Reg Z
- Strong, measured written communication in English (equivalent to C1+ level).
- ** Ravens about tech?** Your ability to bridge traditional expertise with AI-driven solutions will be critical in a world where underwriting systems increasingly rely on simplified rules or complex outputs.
How It Works
- Apply through the Mindrift platform.
- Pass qualification process (skim-test & verification of skills).
- Join a project (assigned based on your expertise & available work).
- Complete tasks aligned with project scope.
- Get paid for contribution—payments range on a project-by-project basis.
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Project Requirements
- Time Commitment: Estimated 10–20 hours per week during the project’s active phase. This is an estimate—final workload depends on the project’s demands.
- Flexibility: Part-time, non-permanent role; only active when assigned.
Compensation
- Variable pay commensurate with experience, skill level, and project complexity.
- For this project: Contributors can earn up to $60 per hour (equivalency will vary).
- Rates reflect the scale of the project’s scope, complexity, and-house required expertise. All projects on the Mindrift platform differ in compensation ranges—some may offer higher or lower rates based on requirements.
Next Steps: Applying
- Only candidates who:
- Submit a CV in English.
- Indicate level of English proficiency explicitly (preferably speaking/writing C1+).
- Qualify for roles this description matches—no standard full-time positions are available.
Apply here if you believe you're a great fit!
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