Here at Lower, we believe homeownership is the key to building wealth, and we’re making it easier and more accessible than ever. As a mission-driven fintech, we simplify the home-buying process through cutting-edge technology and a seamless customer experience.
With tens of billions in funded home loans and top ratings on Trustpilot (4.8), Google (4.9), and Zillow (4.9), we’re a leader in the industry. But what truly sets us apart? Our people. Join us and be part of something bigger.
Job Description:
We’re looking for a Program Manager, AI Mortgage Guidelines — an experienced residential mortgage underwriter who will apply their deep expertise to the future of mortgage technology. You’ll partner closely with AI engineers and product leaders to design, train, and refine a mortgage guideline-focused AI model. The goal: enable loan officers, processors, and other key stakeholders to ask an AI-powered assistant complex guidelines, scenario, and underwriting questions — and get answers that are accurate, compliant, and aligned with Lower’s standards and risk tolerance.
This is an individual contributor role reporting to the EVP of Program and Product Management. This role sits at the intersection of mortgage operations, risk management, and advanced AI development. If you’re passionate about the mortgage industry and excited to shape the future of how underwriting knowledge is applied at scale, this is the role for you.
What you’ll do:
Support the coordination and execution of cross-functional initiatives by assisting in planning, tracking, and delivery of defined program components.
Act as the program lead for AI underwriting initiatives, ensuring clear goals, timelines, and deliverables across stakeholders.
Serve as the underwriting subject matter expert (SME) for AI training, ensuring that the model reflects FNMA, FHLMC, FHA, VA, USDA, and Lower-specific guidelines.
Collaborate with AI engineers and product managers to train, test, and validate the AI model’s performance.
Translate complex underwriting standards and risk frameworks into structured training data, rules, and decision logic for AI learning.
Review AI-generated responses for accuracy, compliance, and consistency with company policy; provide structured feedback and corrections.
Identify and prioritize edge cases, nuances, and exceptions in underwriting that must be embedded into the AI model.
Stay current on agency/investor updates, regulatory changes, and industry best practices, ensuring the AI reflects the latest standards.
Document program progress, training materials, and outcomes to build a sustainable knowledge base supporting continuous AI learning and improvement.
Who you are:
Minimum 3+ years of residential mortgage underwriting experience, with deep familiarity across FNMA, FHLMC, FHA, VA, and USDA guidelines.
2+ years of program or project coordination/management or equivalent experience, ideally in a tech-enabled or regulated industry such as fintech or proptech.
Strong analytical and decision-making skills; ability to identify subtle differences in guidelines and investor requirements.
Effective written and verbal communication skills, with the ability to coordinate across teams and adapt messaging for different audiences.
Proficiency in using loan origination systems and standard productivity tools (Microsoft Office, project management software, etc.).
Growing ability to build relationships and collaborate across functions, with some experience in resolving misalignments through partnership and facilitation.
Curiosity and adaptability in working with emerging AI technologies — no prior AI experience required, but openness to learning is essential.
Preferred Qualifications:
Prior DE/SAR/LAPP certifications a plus.
Why you’ll love working at Lower:
- You’ll be surrounded by talented, dedicated people who believe in the company’s mission.
- You’ll be able to shape the future of Lower’s user experience.
- You’ll join a locally and nationally recognized best place to work that values promotion from within.
- There is opportunity for professional growth and development.
Plus:
- Competitive compensation plan
- Extended benefit offerings including: Medical/dental/vision
- Paid holidays
- Paid time off
- Parental leave
- Life insurance
- Short- and long-term disability
- 401K with company match
- Discount on home mortgage refinances or purchase
Job Type: Full-time
Work Location: With offices in Columbus, OH and Austin, TX, we’d love to find someone able to work in-person on a hybrid basis. We are also open to considering fully remote candidates with the right experience, with periodic travel to collaborate in person.
Lower provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.
This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.
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What We Do
We believe owning a home is one of the greatest wealth builders out there. So our goal is to make homeownership more accessible, and to help more people buy homes.
We are #31 Top Mortgage Lender on Scotsman Guide and have been recognized as one of Fast Company's Most Innovate Companies in the World.
As the parent company, Lower has individual brands and branches spread across the country. Along with our direct-to-consumer online lender, Lower.com, we're meeting people where they are to create more homeowners together.
Our family of companies are 10th Mortgage, Alderus Mortgage, AMSW Lending, Banner Mortgage, Cabrales Mortgage, Community Lending, DMV Mortgage Group, Fairfax Mortgage, First Trust Mortgage Company, Gerber Group, Hamilton Home Mortgage, Heckman Mortgage, Homeside Financial, Hometrust, Home Team Lending, Lower.com, Lower Local, McCaughan Home Lending, Oxford Home Lending, PowerTPO, Team Hochberg, Universal Lending Home Loans, Vybe Mortgage, and Yes Mortgage.
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