Role Overview

As a 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.

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 QA sessions to transfer domain knowledge to cross-functional teams.





Required Qualifications
- Experience: 4-10 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 setting, 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.

Disclaimer : This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

📌 Residential Mortgage Loan Underwriter (Bengaluru)
🏢 JazzX AI
📍 Bengaluru