Mortgage Underwriting Subject Matter Expert

Los Altos

About SAIGroup

SAIGroup is a private investment firm that has committed $1 billion to incubate and scale revolutionary AI-powered enterprise software application companies. Our portfolio, a testament to our success, comprises rapidly growing AI companies that collectively cater to over 2,000+ major global customers, approaching $800 million in annual revenue, and employing a global workforce of over 4,000 individuals.

SAIGroup invests in new ventures based on breakthrough AI-based products that have the potential to disrupt existing enterprise software markets. SAIGroup’s latest investment, JazzX AI, is a pioneering technology company on a mission to shape the future of work through an AGI platform purpose-built for the enterprise. JazzX AI is not just building another AI tool—it’s reimagining business processes from the ground up, enabling seamless collaboration between humans and intelligent systems. The result is a dramatic leap in productivity, efficiency, and decision velocity, empowering enterprises to become pacesetters who lead their industries and set new benchmarks for innovation and excellence.

Role Overview

As JazzX’s Mortgage Underwriting SME, you will be the single-domain authority for residential mortgage underwriting across product, engineering, and operations. You will own how underwriting decisions are defined, explained, validated, and operationalized into the JazzX Mortgage Application — ensuring that automated underwriting and assistant experiences faithfully reflect real-world practice, are defensible for regulatory and secondary-market needs, and meaningfully improve outcomes across personas (loan officer, processor, underwriter, closer, post-close QC, servicing).

This is a hands-on position. You will perform representative underwriting assessments, translate rules and compensating-factor logic into machine-actionable decisioning, lead validation of AI-assisted underwriting, map persona-driven workflows and handoffs, and train product and operational teams so the application reliably reduces rework and accelerates decision throughput.

What You’ll Do

Hands-On Underwriting & Decision Documentation

  • Underwrite a representative set of U.S. residential mortgage loans (purchase, rate-term refinance, cash-out, manual AUS, AUS overrides) and document outcomes in a compliance-ready format (approve/suspend/decline + detailed rationale, conditions, and exception handling).
  • Capture decision rationale tied to policy, compensating factors, AUS findings, and investor requirements so engineers and product teams can implement exacting rules.

Rule Design & Operationalization

  • Decompose underwriting decisions suitable for automation.
  • Define fallback logic, explainability requirements, audit trails, and acceptance criteria for automated underwriting features.

Persona & Process Leadership

  • Map end-to-end underwriting and fulfillment workflows across personas (loan officer, processor, underwriter, closer, post-close QC, servicing, investor delivery). Identify handoffs, data dependencies, common failure modes, and opportunities to reduce rework.
  • Recommend persona-specific ownership models, SLAs, and escalation paths to improve throughput and accountability.

Model Validation & QA

  • Design and run validation programs that blind-test AI/automation outputs against manual underwriter decisions; quantify discrepancies, root causes, and risk.
  • Define monitoring metrics and guardrails (automation coverage, decision accuracy, condition clearance rates) and prioritize remediation of high-risk failures.

Condition Lifecycle & LOS Integration

  • Specify how underwriting conditions are generated, assigned, prioritized, escalated, and cleared; map condition ownership to personas and LOS fields.
  • Partner with LOS/integration SMEs to ensure canonical loan data objects, consistent field mappings, and traceability for underwriting decisions.

Governance, Compliance & Secondary-Market Readiness

  • Ensure underwriting logic and automation are defensible for regulatory purposes and secondary-market delivery (post-close QC, investor specs).
  • Maintain up-to-date guidance for policy changes and investor/regulatory impacts on underwriting.

Knowledge Transfer & Stakeholder Enablement

  • Serve as primary domain reviewer for underwriting product specs, test plans, and release readiness.

 

What We’re Looking For

Required Qualifications

  • 10+ years of hands-on U.S. residential mortgage underwriting experience in senior or specialist roles, including manual underwriting and AUS override experience.
  • Deep, current knowledge of Fannie Mae, Freddie Mac, FHA, VA, USDA, and other common investors, AUS findings interpretation, compensating factors, and how investor specifications interact with underwriting decisions.
  • Demonstrated understanding of the responsibilities, incentives, and information flows for loan officers, processors, underwriters, closers, post-close QC teams, servicing teams, and investor/secondary functions.
  • Practical experience with major LOS platforms and the ability to map LOS fields and data schemas to underwriting rules and conditions.
  • Strong analytical skills and experience designing validation/QA programs comparing automated outputs to human decisions.
  • Excellent written and verbal communication skills; proven ability to write playbooks, document rationale in an audit-ready way, and teach cross-functional teams.

Skills & Competencies

  • Ability to translate complex underwriting policy into actionable rules and traceable decision records.
  • Comfort working in cross-functional product and engineering settings; able to specify field mappings, and acceptance criteria.
  • Strong attention to detail and a validation mindset — you can quantify risk, diagnose root causes, and recommend prioritized fixes.
  • Influence and leadership: able to partner with product, engineering, data science, and customer operations to drive adoption and change.

Preferred

  • Experience at large retail or independent mortgage lenders, investor/servicers, or lender-facing technology vendors.
  • Prior involvement in underwriting automation, post-close QC programs, or secondary-market delivery initiatives.
  • Advanced degree or certifications related to mortgage lending, risk, or financial services.

 

Why Join Us

At JazzX AI, you have the opportunity to join the foundational team that is pushing the boundaries of what’s possible to create an autonomous intelligence driven future. We encourage our team to pursue bold ideas, foster continuous learning, and embrace the challenges and rewards that come with building something truly innovative.

Your work will directly contribute to pioneering solutions that have the potential to transform industries and redefine how we interact with technology. As an early member of our team, your voice will be pivotal in steering the direction of our projects and culture, offering an unparalleled chance to leave your mark on the future of AI.

We offer a competitive salary, equity options, and an attractive benefits package, including health, dental, and vision insurance, flexible working arrangements, and more.

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