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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.
- Create test cases involving qualifying income calculations for self-employed borrowers.
- Design pre-qualification scenarios based on realistic rate sheets.
- 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.
- Apply correct rulesets for rate-and-term vs. cash-out refinances.
- Document problem statements clearly and provide verified correct answers.
Requirements
- Mortgage underwriters and loan origination professionals open to part-time, non-permanent projects.
- 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).
Skills
- Written English (C1+)
Location
- Remote
Work Type
- Project-based
- Part-time
Experience Level
- 3+ years of residential mortgage underwriting or equivalent professional experience
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, focused on testing, evaluating, and improving AI systems.