Mindrift
Finance
DirectEndorsement(DE)Underwriter-FreelanceAITrainer
Neural analysis suggests this role is
optimal for Mid candidates.
“Direct Endorsement (DE) Underwriter - Freelance AI Trainer at Mindrift. Skills: Mortgage underwriting, AI training, Regulatory compliance. Evaluate AI-generated mortgage underwriting decisions. Create test cases for qualifying income”
Industry & Context.
What They're Looking For.
Must Have
3+ years of residential mortgage underwriting, FHA Direct Endorsement (DE) or VA Credit Underwriter authority, Ability to calculate qualifying income for self-employed borrowers from IRS Forms 1040, Schedule C, Schedule E, and K-1, Knowledge of Reg adverse action requirements, Reg Z, and TRID disclosure timing, written English (C1+)
Nice to Have
Fannie Mae / Freddie Mac selling guides and the overlay-versus-rule, Familiarity with automated underwriting systems (DU / LP) and loan origination software (Encompass, Empower)
What You'll Do.
Evaluate AI-generated mortgage underwriting decisions
Create test cases for qualifying income
Design pre-qualification scenarios
Draft and audit conditional approval letters
Verify gift fund documentation
Distinguish Fannie Mae / Freddie Mac rules
Apply correct rulesets for refinances
Document problem statements
Provide verified correct answers
How You'll Work.
Communication Scope
Clear documentation
Full Job Description
_Please submit your CV in English and indicate your level of English proficiency. _ 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; * 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 Reg B / ECOA compliance; * Verify gift fund documentation chains and disclosure timing under TRID, Reg Z, and RESPA; * Distinguish Fannie Mae / Freddie Mac 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 Section 50(a)(6)); * 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, 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 Forms 1040, Schedule C, Schedule E, and K-1; * Deep familiarity with Fannie Mae / Freddie Mac selling guides and the overlay-versus-rule distinction; * Knowledge of Reg B adverse action requi
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