Mortgage Underwriter - Contractor (Fintech)

TL;DR

Mortgage Underwriter - Contractor (Fintech): Perform continuous testing on AI-powered mortgage underwriting products using deep expertise in Fannie Mae, Freddie Mac, FHA, and VA guidelines with an accent on validating accuracy of income calculations, documentation review, and compliance. Focus on analyzing borrower documents, flagging discrepancies, recommending improvements, and collaborating with product and sales teams to enhance features.

Location: Remote - US

Compensation: $45 per hour (4-8 hours per day)

Company

hirify.global is an AI workflow and analytics platform for lenders, automating document processing and risk management in fintech with over 99% accuracy.

What you will do

• Apply underwriting guidelines to test mortgage tools, validate accuracy of income calculators and rule applications.
• Review borrower documentation including income, assets, credit, AUS findings, and collateral.
• Document test results, flag issues, and recommend solutions for compliance with agency standards.
• Act as SME providing context to technical and non-technical teams.
• Collaborate with Product and Sales on enhancements and feature development.
• Communicate complex underwriting concepts clearly to stakeholders.

Requirements

• 3+ years of mortgage underwriting experience, including FHA and VA
• Skilled in reviewing borrower docs (W-2s, tax returns, pay stubs, self-employment income, appraisals, titles)
• Strong expertise in income analysis, credit evaluation, and AUS findings
• Tech-savvy with ability to critique mortgage software
• Excellent documentation, prioritization, and communication skills

Nice to have

• Experience testing technology products or tools
• Experience with fintech or SaaS mortgage tools
• Familiarity with automated income calculation platforms
• Exposure to agile product development

Culture & Benefits

• Remote-first environment for a fast-growing team of builders and problem-solvers
• Core values: Empathy, Curiosity, Humility, Ownership
• Inclusive workplace committed to diverse perspectives
• Opportunity to grow skills, take ownership, and impact the future of lending