JazzX AI
Mortgage Underwriting Subject Matter Expert
JazzX AI, Los Altos, California, United States, 94024
About SAIGroup
SAIGroup is a private investment firm that has committed $1 billion to incubate and scale revolutionary AI-powered enterprise software application companies. Our portfolio comprises rapidly growing AI companies serving over 2,000 global customers, approaching $800 million in annual revenue, and employing a global workforce of over 4,000 individuals. SAIGroup invests in new ventures based on breakthrough AI-based products with the potential to disrupt enterprise software markets. JazzX AI is a pioneering technology company focused on an AGI platform for the enterprise, reimagining business processes to enable seamless collaboration between humans and intelligent systems and drive productivity, efficiency, and decision velocity. 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 define, explain, validate, and operationalize underwriting decisions into the JazzX Mortgage Application, ensuring automated underwriting reflects real-world practice, is defensible for regulatory and secondary-market needs, and improves 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 to reduce rework and accelerate 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 with 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. 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. 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 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. 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 — able to 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 Us
At JazzX AI, you will join the foundational team pushing the boundaries of autonomous intelligence-driven solutions. We encourage bold ideas, continuous learning, and the rewards of building something innovative. Your work will contribute to solutions that transform industries, and as an early team member, your voice will steer project direction and culture. We offer a competitive salary, equity options, and an attractive benefits package, including health, dental, and vision insurance, flexible working arrangements, and more. Voluntary self-identification and equal employment opportunity information may be requested as part of government reporting requirements. Completion is voluntary and confidential; it does not affect hiring decisions. This posting complies with applicable EEO and VEVRAA guidelines.
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SAIGroup is a private investment firm that has committed $1 billion to incubate and scale revolutionary AI-powered enterprise software application companies. Our portfolio comprises rapidly growing AI companies serving over 2,000 global customers, approaching $800 million in annual revenue, and employing a global workforce of over 4,000 individuals. SAIGroup invests in new ventures based on breakthrough AI-based products with the potential to disrupt enterprise software markets. JazzX AI is a pioneering technology company focused on an AGI platform for the enterprise, reimagining business processes to enable seamless collaboration between humans and intelligent systems and drive productivity, efficiency, and decision velocity. 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 define, explain, validate, and operationalize underwriting decisions into the JazzX Mortgage Application, ensuring automated underwriting reflects real-world practice, is defensible for regulatory and secondary-market needs, and improves 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 to reduce rework and accelerate 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 with 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. 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. 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 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. 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 — able to 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 Us
At JazzX AI, you will join the foundational team pushing the boundaries of autonomous intelligence-driven solutions. We encourage bold ideas, continuous learning, and the rewards of building something innovative. Your work will contribute to solutions that transform industries, and as an early team member, your voice will steer project direction and culture. We offer a competitive salary, equity options, and an attractive benefits package, including health, dental, and vision insurance, flexible working arrangements, and more. Voluntary self-identification and equal employment opportunity information may be requested as part of government reporting requirements. Completion is voluntary and confidential; it does not affect hiring decisions. This posting complies with applicable EEO and VEVRAA guidelines.
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