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
Must-Have
- 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 (Takes 2030 mins to complete)
- Submit your resume followed by 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: [Confidential Information]
PS: Our team reviews applications daily. Please complete your AI interview and application steps to be considered for this opportunity.
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