Direct Endorsement (DE) Underwriter - Freelance AI Trainer

4 hours, 42 minutes ago
Part-time
Senior
Artificial Intelligence and Machine Learning
Mindrift.ai: Be the “I” in AI

Mindrift.ai: Be the “I” in AI

Join 10,000+ experts earning $15-50/hr training AI models remotely. Flexible freelance work, weekly payments. No AI experience required. Apply in 5 minutes.

Internet Software & Services

Description

  • Evaluate AI-generated mortgage underwriting decisions across conforming, jumbo, FHA, VA, and cash-out refinance loan types.
  • Create test cases for qualifying income calculations for self-employed borrowers using Schedule C, K-1, and Schedule E.
  • Design pre-qualification scenarios using realistic rate sheets, 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 and Freddie Mac selling guide requirements from lender overlays in jumbo and non-conforming loan scenarios.
  • Apply the correct rulesets for rate-and-term versus cash-out refinances, including state-specific overlays such as Texas Section 50(a)(6).
  • Document problem statements clearly and provide verified correct answers.

Requirements

  • 3+ years of residential mortgage underwriting or equivalent professional experience.
  • Degree in Finance, Business, Economics, or a related field.
  • FHA Direct Endorsement (DE) or VA Credit Underwriter authority is a strong advantage.
  • 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 and Freddie Mac selling guides and the distinction between overlays and rules.
  • Knowledge of Reg B adverse action requirements, Reg Z, and TRID disclosure timing rules.
  • Familiarity with automated underwriting systems such as DU and LP.
  • Experience with loan origination software such as Encompass or Empower.
  • Strong written English at C1+ level.
  • Willingness to work on part-time, project-based, non-permanent assignments.

Benefits

  • Project-based AI opportunities with leading tech companies.
  • Flexible part-time workload of approximately 10–20 hours per week during active phases.
  • Compensation of up to $60 per hour equivalent, depending on contribution level and pace.
  • Opportunity to work on varied mortgage underwriting and compliance projects.
  • Non-permanent, project-based participation model.

Interested in this position?

Apply directly on the company website

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