Mortgage Underwriting Subject Matter Expert
2 months ago
Los Altos
Job DescriptionAbout JazzX AI: Vision: Enterprises operating on institutional intelligence—governed, self-improving, and scalable beyond individual expertise. JazzX AI is defining the future of enterprise work—by building AI-native digital workers that actually get the job done.We believe enterprises don't scale expertise—they lose it. Knowledge stays trapped in individuals, judgment gets applied inconsistently, and the best talent spends time on work that should run itself. We're changing that. JazzX AI transforms messy enterprise reality into institutional intelligence: governed digital workers that capture expert judgment, make every decision explainable, and continuously improve through real-world execution. The result is faster decisions, higher-quality outcomes, and reliable execution at scale—in domains where getting it wrong isn't an option.We're starting with lending and due-diligence workflows—complex, regulated, high-stakes. From here, we're building the backbone for enterprise intelligence across industries.This is early-stage, hard, and consequential work. If you want to be part of bringing AI systems to market that actually run in production, handle real complexity, and deliver real outcomes—not demos, not chatbots—JazzX AI is the place. Headquartered in Los Altos, CA. Backed by SAIGroup.About SAIGroup :SAIGroup a private investment firm that has committed $1B to build and scale next-generation, AI-powered enterprise software companies. SAIGroup's portfolio serves 2,000+ global enterprise customers, generates nearly $800M in annual revenue, and employs 4,000+ people worldwide — providing JazzX AI with long-term capital, deep operating expertise, and access to real-world enterprise scale from day one. Learn more about JazzX AI: Website: LinkedIn: Learn more about SAIGroup: Website: 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)., • Decompose underwriting decisions suitable for automation., • 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., • Design and run validation programs that blind-test AI/automation outputs against manual underwriter decisions; quantify discrepancies, root causes, and risk., • Specify how underwriting conditions are generated, assigned, prioritized, escalated, and cleared; map condition ownership to personas and LOS fields., • Ensure underwriting logic and automation are defensible for regulatory purposes and secondary-market delivery (post-close QC, investor specs)., • 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., • 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., • 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.