Residential Mortgage Loan Underwriter Consultant

2 days ago

Bengaluru, Karnataka, India JazzX AI Full time ₹ 12,00,000 - ₹ 36,00,000 per year
About SAIGroup

SAIGroup is a private investment firm that has committed $1 billion to incubate and scale revolutionary AI-powered enterprise software application companies. Our portfolio, a testament to our success, comprises rapidly growing AI companies that collectively cater to over 2,000+ major global customers, approaching $800 million in annual revenue, and employing a global workforce of over 4,000 individuals.

SAIGroup invests in new ventures based on breakthrough AI-based products that have the potential to disrupt existing enterprise software markets. SAIGroup's latest investment, JazzX AI, is a pioneering technology company on a mission to shape the future of work through an AGI platform purpose-built for the enterprise. JazzX AI is not just building another AI tool—it's reimagining business processes from the ground up, enabling seamless collaboration between humans and intelligent systems. The result is a dramatic leap in productivity, efficiency, and decision velocity, empowering enterprises to become pacesetters who lead their industries and set new benchmarks for innovation and excellence.

Role Overview 

As a Part‑Time Residential Mortgage Loan Underwriter Consultant at JazzX AI, you will leverage your deep expertise in underwriting to build AI-technology to support mortgage underwriting activities. You will work closely with engineering, and product teams to convert real-world underwriting decisions into robust AI logic. 

Contract Duration: 3–6 months (potential to extend up to 12 months) 

Time Commitment: up to 20 hours/week (flexible) 

Key Responsibilities 

Underwriting & File Assessment
Underwrite a variety of residential mortgage loan files (purchase, rate‑term refinance, cash‑out refinance) per Fannie Mae DU and Freddie Mac LP guidelines.Document underwriting rationale, risk profiles, and exception handling. Process Mapping & Rule Development
Deconstruct end-to-end underwriting workflows—from borrower qualification and income/asset verification to AUS findings and final approval.Identify critical decision points and edge cases crucial for AI modeling. Model Validation & Feedback
Blind-test AI-generated underwriting recommendations against manual assessments.Provide granular feedback to engineering teams to fine-tune decision rules and confidence thresholds. Knowledge Transfer & Training
Create clear, actionable guides on complex topics (e.g., compensating factors, manual AUS overrides, GSE compliance).Host virtual workshops or Q&A sessions to transfer domain knowledge to cross-functional teams. 

Required Qualifications 

Experience: 5–10 years in residential mortgage underwriting at a senior or specialist level.GSE Mastery: Deep, hands-on knowledge of Fannie Mae DU and/or Freddie Mac LP guidelines.Analytical Acumen: Proven ability to assess borrower credit, income, assets, and collateral with accuracy and consistency.Communication: Exceptional verbal and written skills to articulate underwriting logic and decision processes.Consulting Approach: Comfortable in an iterative environment, providing structured feedback to product and engineering teams. 

Preferred Qualifications 

Experience at large retail or independent mortgage lenders (e.g., Wells Fargo, Rocket Mortgage, Chase).Background in manual underwriting, AUS overrides, or secondary market delivery.Familiarity with post-closing QC, servicing reviews, and secondary market delivery processes.Prior involvement in technology or automation initiatives within mortgage operations.  Why Join Us

At JazzX AI, you have the opportunity to join the foundational team that is pushing the boundaries of what's possible to create an autonomous intelligence driven future. We encourage our team to pursue bold ideas, foster continuous learning, and embrace the challenges and rewards that come with building something truly innovative.

Your work will directly contribute to pioneering solutions that have the potential to transform industries and redefine how we interact with technology. As an early member of our team, your voice will be pivotal in steering the direction of our projects and culture, offering an unparalleled chance to leave your mark on the future of AI.

We offer a competitive salary, equity options, and an attractive benefits package, including health, dental, and vision insurance, flexible working arrangements, and more.

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