Residential Mortgage Loan Underwriter Consultant
About the job
- The candidate must have 4–10 years of residential mortgage underwriting experience at a senior or specialist level.
- The candidate must have deep, hands-on knowledge of Fannie Mae Desktop Underwriter and/or Freddie Mac Loan Product Advisor guidelines.
- The candidate must be able to assess borrower credit, income, assets, and collateral accurately and consistently.
- The candidate must be able to articulate underwriting logic and decision processes verbally and in writing.
- The candidate must be comfortable providing structured feedback to product and engineering teams in an iterative environment.
- Underwrite residential mortgage loan files, including purchase, rate-term refinance, and cash-out refinance files, according to Fannie Mae Desktop Underwriter and Freddie Mac Loan Product Advisor guidelines.
- Document underwriting rationale, risk profiles, and exception handling.
- Deconstruct end-to-end underwriting workflows, from borrower qualification and income and asset verification through automated underwriting system findings and final approval.
- Identify critical decision points and edge cases for AI modeling.
- Blind-test AI-generated underwriting recommendations against manual assessments.
- Provide detailed feedback to engineering teams to refine decision rules and confidence thresholds.
- Create actionable guides on complex topics such as compensating factors, manual automated underwriting system overrides, and government-sponsored enterprise compliance.
- Host virtual workshops or question-and-answer sessions to transfer domain knowledge to cross-functional teams.
- Experience at large retail or independent mortgage lenders, such as Wells Fargo, Rocket Mortgage, or Chase.
- Background in manual underwriting, automated underwriting system overrides, or secondary market delivery.
- Familiarity with post-closing quality control, servicing reviews, and secondary market delivery processes.
- Prior involvement in technology or automation initiatives within mortgage operations.
About the company
JazzX AI is an AI-powered music-creation platform that helps musicians create and produce music. It generates musical ideas, arranges compositions, and refines audio production. Users describe their desired concept in plain English, and the AI produces corresponding musical elements, acting as a collaborative partner that augments a creator’s skills rather than replacing them. The system is designed to fit into existing music production workflows, handling time-consuming or technically demanding tasks to speed up the creative process. The service is likely offered on a subscription or access basis for individual artists, producers, and studios.
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Simplify's Take
What believers are saying
- HousingWire profiled JazzX's EGI platform on August 3, 2026, citing 50% faster closes.
- LinkedIn lists 51-200 employees, showing hiring room before product-market saturation.
- SymphonyAI's September 2026 launch gives JazzX distribution across enterprise AI buyers.
What critics are saying
- The music-platform narrative is wrong; employer branding confusion will repel candidates and customers.
- Big lenders can standardize on nCino, ICE Mortgage Technology, or internal AI stacks by 2027.
- If JazzX cannot prove compliant automation, regulated banks will block deployment and churn fast.
What makes JazzX AI unique
- JazzX AI targets mortgage workflows, not generic copilots, with governed digital workers.
- SAIGroup backs JazzX AI; SymphonyAI launched it on September 2, 2026.
- Its pitch centers on audit-ready decisions across lending, underwriting, and fulfillment workflows.
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Benefits
- Health Insurance
- Dental Insurance
- Vision Insurance
- Flexible Work Hours
- Stock Options