Mortgage Underwriter - Freelance AI Trainer

Mindrift connects specialists with project-based AI opportunities in the tech industry, focusing on testing, evaluating, and improving AI systems. Participation is project-based, not permanent employment.

Location: Japan

Salary: Up to $50 per hour

Responsibilities

• Evaluate AI-generated mortgage underwriting decisions across various loan types.
• Create test cases for qualifying income calculations for self-employed borrowers.
• Draft and audit conditional approval letters and adverse action notices for Reg B / ECOA compliance.
• Distinguish Fannie Mae / Freddie Mac selling guide rules from lender overlays in jumbo and non-conforming loan scenarios.
• Document problem statements clearly and provide verified correct answers.

Requirements

• Degree in Finance, Economics, Business Administration, Accounting, Real Estate, or related field.
• 3+ years of mortgage, lending, real estate, or financial services experience.
• Current or recent experience in underwriting & origination or adjacent roles.
• 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 knowledge of Reg B, Reg Z, and TRID disclosure timing rules.
• Strong written English (C1+).