Direct Endorsement (DE) Underwriter - Freelance AI Trainer

Das ist der Job

Participation is project-based, not permanent employment.

Darum lohnt es sich

Overview Mindrift connects specialists with project-based AI opportunities for leading tech companies, focused on testing, evaluating, and improving AI systems.

Responsibilities • Evaluate AI-generated mortgage underwriting decisions across loan types (conforming, jumbo, FHA, VA, cash-out refinance) • Create test cases involving qualifying income calculations for self-employed borrowers using ScheduleC, K‑1, and ScheduleE • Design pre‑qualification scenarios based on realistic rate sheets across different credit score ranges and down‑payment percentages • Draft and audit conditional approval letters and adverse action notices for RegB/ECOA compliance • Verify gift fund documentation chains and disclosure timing under TRID, RegZ, and RESPA • Distinguish FannieMae/FreddieMac selling guide rules from lender overlays in jumbo and non-conforming loan scenarios • Apply correct rulesets for rate‑and‑term vs. cash‑out refinances, including state‑specific overlays (e.g.

Texas Section50(a)(6)) • Document problem statements clearly and provide verified correct answers Qualifications • Degree in Finance, Business, Economics, or any related field • 3+ years of residential mortgage underwriting or equivalent professional experience • FHA Direct Endorsement (DE) or VA Credit Underwriter authority is a strong signal • Ability to calculate qualifying income for self-employed borrowers from IRS Forms1040, ScheduleC, ScheduleE, and K‑1 • Deep familiarity with FannieMae/FreddieMac selling guides and the overlay‑versus‑rule distinction • Knowledge of RegB adverse action requirements, RegZ, and TRID disclosure timing rules • Familiarity with automated underwriting systems (DU/LP) and loan origination software (Encompass, Empower) • Strong written English (C1+) Process Apply → Pass qualification(s) → Join a project → Complete tasks → Get paid Workload For this project, tasks are estimated to require around 10–20 hours per week during active phases, based on project requirements.

This is an estimate, not a guaranteed workload, and applies only while the project is active. Compensation Contributors can earn up to $60 per hour equivalent, depending on their level and pace of contribution. Compensation varies across projects depending on scope, complexity, and required expertise.