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About the Role

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.

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.
• 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. cash-out refinances, including state-specific overlays (e.g. Texas Section 50(a)(6)).
• Document problem statements clearly and provide verified correct answers.

Requirements

• Open to part-time, non-permanent projects.
• Mortgage underwriters and loan origination professionals are a good fit for this opportunity.

Skills

• 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+).

Work Type

• Project-based
• Part-time
• Non-permanent

Experience Level

• 3+ years of residential mortgage underwriting or equivalent professional experience.
• FHA Direct Endorsement (DE) or VA Credit Underwriter authority is a strong signal.

Education Level

• Degree in Finance, Business, Economics, or any related field.

Salary/Compensations

• Up to $60 per hour equivalent

About the Company

• Mindrift connects specialists with project-based AI opportunities for leading tech companies.
• Mindrift focuses on testing, evaluating, and improving AI systems.