Mortgage Loan Underwriter
7 days ago
About The Job Mercor connects elite creative and technical talent with leading AI research labs. Headquartered in San Francisco, our investors include Benchmark, General Catalyst, Peter Thiel, Adam D'Angelo, Larry Summers, and Jack Dorsey. Position Financial Services Professional Type Independent Contractor Compensation $60–$100/hour Location Remote Duration ~6 weeks Commitment 30+ hours/week Role Responsibilities Calculate qualifying monthly income using pay stubs, W-2s, tax returns, and self-employment documents. Conduct credit report risk assessments by identifying derogatory marks, utilization ratios, and tradeline history. Perform debt-to-income (DTI) ratio calculations based on verified income and liabilities. Provide loan decision recommendations with written rationales and policy citations. Review and clear conditional approval stipulations by matching submitted documents to underwriting requirements. Evaluate collateral value and calculate loan-to-value (LTV) ratios using valuation tools. Identify fraud indicators by cross-referencing applicant data across documents and verifying authenticity. Support secondary workflows such as compensating factor reviews, adverse action notice generation, credit exception evaluations, and counter‑offer structuring. Qualifications 5+ years of experience in mortgage or auto loan underwriting, credit analysis, or quality control. Deep familiarity with income types, credit bureau data, DTI and LTV calculations, and standard underwriting policies. Ability to interpret complex tax documents (e.g., Schedule C, K‑1) and calculate self‑employment income. Strong attention to detail, pattern recognition, and risk assessment capabilities. Preferred Experience with LOS systems and document verification tools. Compensation & Legal Paid weekly via Stripe Connect Independent Contractor Application Process Submit your resume followed by a domain expertise interview and short form. Resources & Support For details about the interview process and platform information, please check: https://talent.docs.mercor.com/welcome/welcome For any help or support, reach out to: support@mercor.com PS: Our team reviews applications daily. Please complete your AI interview and application steps to be considered for this opportunity. #J-18808-Ljbffr
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