Job Description

Roles & Responsibilities

Mindrift connects specialists with project-based AI opportunities for leading tech companies, focused on testing, evaluating, and improving AI systems. Participation is project-based, not permanent employment.

What this opportunity involves While each project involves unique tasks, contributors may:

• 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 Schedule C, K-1, and Schedule E;
• 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.

What we look for This opportunity is a good fit for mortgage underwriters and loan origination professionals open to part-time, non-permanent projects. Ideally, contributors will have:

• Degree in Finance, Economics, Business Administration, Accounting, Real Estate, or any related field;
• 3+ years of 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+).

Desired Candidate Profile

What we look for This opportunity is a good fit for mortgage underwriters and loan origination professionals open to part-time, non-permanent projects. Ideally, contributors will have:

• Degree in Finance, Economics, Business Administration, Accounting, Real Estate, or any related field;
• 3+ years of 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+).