Headquartered in Los Altos, CA. Backed by SAIGroup.
Learn more about JazzX AI:
Website: https://jazzx.ai
LinkedIn: https://www.linkedin.com/company/jazzx-ai
Learn more about SAIGroup:
Website: https://saigroup.ai
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 JazzX AI -
What draws people to JazzX AI is the opportunity to build something truly foundational.
We are at the beginning of a new era — one where enterprise systems will no longer be static tools, but dynamic collaborators that learn, reason, and evolve alongside the people who use them. At JazzX AI, you’ll help build a platform that redefines how work happens in the AGI era.
JazzX AI brings together vision, deep technology, and purpose. This is not about experimenting with AI features; it’s about turning the promise of AGI into practical, auditable, and human-aligned systems that enterprises can trust and rely on at scale. The work here directly impacts productivity, efficiency, and decision-making in complex, real-world environments.
If you’re motivated by building systems that matter — systems that combine intelligence with responsibility — JazzX AI offers the chance to do that work at a deeper level, with real ownership and lasting impact.
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What We Do
We are technologists, designers, builders, and innovators who are revolutionizing traditional business processes and practices with advanced AI technology. Our vision is a future where novel digital solutions support employees in their complex, knowledge-driven tasks while automating the routine ones. This not only improves work productivity and enjoyment, but also enables companies to become pacesetters within their industries. JazzX AI is owned by SAIGroup, one of the largest, fastest-growing investment firms in enterprise AI. SAIGroup is a private investment firm investing in business with the potential to become leaders in enterprise AI solutions. SAIGroup’s investments enable our portfolio companies to accelerate their innovation and growth. Principal owner and investor Dr. Romesh Wadhwani has made a commitment to invest up to $1 billion in SAIGroup. Visit saigroup.ai to learn more.
