Descripción de la oferta
Overview
JazzX AI is defining the future of enterprise work—by building AI-native digital workers that actually get the job done. We transform 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 regulated, high-stakes domains. We are starting with lending and due-diligence workflows and will build the backbone for enterprise intelligence across industries. This is early-stage, hard, and consequential work for those who want to bring AI systems to market that actually run in production.
Headquartered in Los Altos, CA. Backed by SAIGroup.
About SAIGroup: a private investment firm that has committed $1B to build and scale AI-powered enterprise software. 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.
Role
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
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.
Decompose underwriting decisions suitable for automation.
Define fallback logic, explainability requirements, audit trails, and acceptance criteria for automated underwriting features.
Responsibilities by Area
Persona & Process Leadership: Map end-to-end underwriting and fulfillment workflows across personas; identify handoffs, data dependencies, and opportunities to reduce rework. Recommend ownership models, SLAs, and escalation paths to improve throughput and accountability. Design and run validation programs to blind-test AI outputs against manual decisions; quantify discrepancies, root causes, and risk. Define monitoring metrics and guardrails 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; maintain up-to-date guidance for policy changes and investor/regulatory impacts.
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 investor specifications interactions.
Understanding of responsibilities, incentives, and information flows for loan officers, processors, underwriters, closers, post-close QC, servicing, 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; ability to write playbooks, document rationale in an audit-ready way, and teach cross-functional teams.
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.
Attention to detail and a validation mindset; ability to quantify risk and diagnose root causes.
Influence and leadership to partner with product, engineering, data science, and customer operations to drive adoption.
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.
Equal Employment Opportunity: JazzX AI is an equal opportunity employer. We do not discriminate on the basis of protected status. This description may include information about EEO/VEVRAA and related policies to comply with legal requirements.
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