1. Role Overview
Mercor is collaborating with a leading fintech platform to support a series of underwriting automation and quality assurance tasks. Were seeking experienced financial services professionals with strong backgrounds in credit analysis income verification and consumer lending to assist in validating and improving AI-generated underwriting outputs. This is a high-priority short-term opportunity to apply deep domain knowledge to structured evaluations that directly impact lending decisions.
2. Key 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
3. Ideal 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
Experience with LOS systems and document verification tools is a plus
4. More About the Opportunity
Remote and asynchronous work on your own schedule
Expected commitment: minimum 30 hours/week
Project duration: 6 weeks
5. Compensation & Contract Terms
$60100/hour for U.S.-based freelancers (localized rates may vary)
Paid weekly via Stripe Connect
Youll be classified as an independent contractor
6. Application Process
7. About Mercor
Mercor is a talent marketplace that connects top experts with leading AI labs and research organizations.
Our investors include Benchmark General Catalyst Adam DAngelo Larry Summers and Jack Dorsey.
Thousands of professionals across domains like law creatives engineering and research have joined Mercor to work on frontier projects shaping the next era of AI.
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