Freelance Mortgage Underwriter – AI Training Projects

About the role

This freelance position supports AI testing and evaluation for a leading tech platform. You will apply your mortgage underwriting expertise to review and improve AI‑generated decisions across a range of loan products.

Key responsibilities

• Evaluate AI‑generated underwriting decisions for conforming, jumbo, FHA, VA, and cash‑out refinance loans.
• Create test cases that calculate qualifying income for self‑employed borrowers using Schedule C, K‑1, and Schedule E.
• Draft and audit conditional approval letters and adverse‑action notices to ensure Reg B/ECOA compliance.
• Distinguish Fannie Mae/Freddie Mac selling‑guide rules from lender overlays in jumbo and non‑conforming scenarios.
• Document problem statements clearly and provide verified correct answers.

Required profile

• Degree in Finance, Economics, Business Administration, Accounting, Real Estate or a related field.
• 3+ years of experience in mortgage underwriting, loan origination, or related financial services.
• Recent hands‑on experience in underwriting or adjacent roles.
• Strong written English proficiency (C1+).

Required skills

• Mortgage underwriting
• Loan origination
• Income calculation for self‑employed borrowers (IRS Forms 1040, Schedule C, Schedule E, K‑1)
• Fannie Mae / Freddie Mac selling‑guide knowledge
• Reg B, Reg Z, and TRID compliance

What we offer

• Project‑based work with flexible hours (estimated 10‑20 hours per week during active phases).
• Compensation up to $50 per hour, based on contribution level and pace.