Senior Mortgage Underwriter - Freelance AI Trainer

Please submit your CV in English and indicate your level of English proficiency.

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.

What this opportunity involves

While each project involves unique tasks, contributors may:

• 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.

What we look for

This opportunity is a good fit for mortgage underwriters and loan origination professionals open to part-time, non-permanent projects. Ideally, contributors will have:

• Degree in Finance, Business, Economics, or any related field;
• 3+ years of residential mortgage underwriting or equivalent professional experience; FHA Direct Endorsement (DE) or VA Credit Underwriter authority is a strong signal;
• 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+).

How it works

Apply → Pass qualification(s) → Join a project → Complete tasks → Get paid

Project time expectations

For this project, tasks are estimated to require around 10–20 hours per week during active phases, based on project requirements. This is an estimate, not a guaranteed workload, and applies only while the project is active.

Compensation

On this project, contributors can earn up to $60 per hour equivalent , depending on their level and pace of contribution.

Compensation varies across projects depending on scope, complexity, and required