Subject Matter Expert (SME) – US Mortgage Underwriting

Key Responsibilities

• Lead client discovery sessions, workshops, and business reviews, and build trusted relationships with underwriting, QC, and compliance leaders
• Turn client guidelines, overlays, and QC checklists into clear requirements for product and delivery teams
• Handle client escalations and guideline-interpretation questions, and support pre-sales, demos, and RFPs
• Act as the final authority on complex underwriting and QC decisions across VA, FHA, and Conventional loans
• Audit pre- and post-closing QC reviews for accuracy and root cause, and flag recurring defect patterns
• Define extraction fields, validation rules, and edge cases for mortgage documents, and review AI output for accuracy
• Track regulatory and guideline updates (VA, HUD, GSE, TRID, ATR/QM), support audits, and train internal and client teams

Must-Have Qualifications

• Bachelor's degree in Finance, Business, or a related field
• 7+ years in US residential mortgage underwriting and/or post-closing QC across VA, FHA, and Conventional loans
• Proven client-facing experience with US clients, including handling escalations
• Expert knowledge of VA Pamphlet 26-7, HUD 4000.1, and the Fannie Mae/Freddie Mac guides
• DE certification (FHA) and VA SAR, or equivalent
• Experience with Encompass, ACES, DocMagic, Calyx, or similar platforms
• Excellent communication skills and flexibility to overlap with US business hours

Good-to-Have Skills

• USDA, Jumbo, and Non-QM knowledge, plus familiarity with TRID, ATR/QM, ECOA, and RESPA
• CMB or similar certification
• Experience in mortgage tech, SaaS, consulting, or customer success
• Exposure to AI/IDP automation or to writing business requirements
• HUD/VA audit or investor QC experience
• Excel/Power BI reporting, or a Six Sigma/Lean background