Mortgage Underwriting Policy SME

About 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. 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. Role Overview As Mortgage Underwriting Policy SME, you will serve as the subject-matter authority for U.S. residential mortgage underwriting policies and guidelines across Product, Engineering, AI, and Operations. You will bring deep, hands-on underwriting expertise to help define, validate, and operationalize mortgage underwriting policies within the JazzX Mortgage Application. The role requires strong knowledge of Fannie Mae, Freddie Mac, FHA, VA, USDA, AUS findings, underwriting exceptions, compensating factors, and mortgage underwriting workflows. You will work closely with Product, Engineering, AI, and Operations teams to translate complex underwriting policies into actionable rules, validate AI-generated underwriting decisions, and ensure that the product accurately reflects real-world mortgage underwriting practices. This is a hands-on SME role requiring strong underwriting judgment, policy interpretation, analytical thinking, and the ability to work directly with U.S.-based stakeholders and clientsWhat You’ll Do Mortgage Underwriting & Policy Serve as the Policy Owner / Mortgage Underwriting SME for the JazzX Mortgage Application. Interpret and apply U.S. residential mortgage underwriting guidelines and policies to complex underwriting scenarios. Review underwriting decisions, AUS findings, exceptions, compensating factors, conditions, and overrides. Apply Fannie Mae and Freddie Mac guidelines and, where applicable, FHA, VA, and USDA requirements. Provide clear and well-documented rationale for underwriting decisions and policy interpretations. Stay current with changes to mortgage underwriting guidelines, investor requirements, and industry practices. AI Underwriting Validation Review and validate AI-generated underwriting decisions and recommendations against applicable mortgage guidelines. Compare automated underwriting outputs with expected manual underwriting decisions and identify discrepancies. Analyze root causes of policy or decisioning gaps and recommend corrective actions. Support the development of validation and QA frameworks for AI-assisted underwriting. Ensure automated underwriting decisions are accurate, explainable, traceable, and policy-compliant. Policy-to-Product / AI Translation Translate complex mortgage underwriting policies and guidelines into clear, actionable business rules. Work with Product, Engineering, and AI/Data Science teams to convert underwriting requirements into AI decision logic. Define policy exceptions, fallback logic, conditions, acceptance criteria, and decision requirements. Help establish appropriate audit trails and documentation for automated underwriting decisions. Review product requirements, test cases, and releases from an underwriting-policy perspective. Mortgage Workflow & LOS Apply knowledge of end-to-end