Come build at the intersection of AI and fintech. At Ocrolus, we’re on a mission to help lenders automate workflows with confidence—streamlining how financial institutions evaluate borrowers and enabling faster, more accurate lending decisions.
Our AI-powered data and analytics platform is trusted at scale, processing nearly one million credit applications every month across small business, mortgage, and consumer lending. By integrating state-of-the-art open- and closed-source AI models with our human-in-the-loop verification engine, Ocrolus captures data from financial documents with over 99% accuracy. Thanks to our advanced fraud detection and comprehensive cash flow and income analytics, our customers achieve greater efficiency in risk management, and provide expanded access to credit—ultimately creating a more inclusive financial system.
Trusted by more than 400 customers—including industry leaders like Better Mortgage, Brex, Enova, Nova Credit, PayPal, Plaid, SoFi, and Square—Ocrolus stands at the forefront of AI innovation in fintech. Join us, and help redefine how the world’s most innovative lenders do business.
We are seeking an experienced mortgage underwriting professional to join our team as a Contract Product Analyst. This role will draw on deep underwriting expertise—including comprehensive knowledge of Fannie Mae, Freddie Mac, FHA, and VA guidelines—to inform and shape our mortgage product strategy.
The successful candidate will have extensive hands-on experience interpreting and analyzing income, asset, credit, AUS, and collateral documentation, applying underwriting rules, and creating conditions. Leveraging this expertise, the Contract Product Analyst will partner closely with Product and Engineering teams to translate complex mortgage requirements into clear, actionable product improvements and new feature development.

WHO WE’RE LOOKING FOR: (SKILL SETS AND QUALIFICATIONS)

• 5+ years of mortgage underwriting experience, including FHA and VA.
• Skilled in reviewing borrower documentation (e.g., W-2s, tax returns, pay stubs, self-employment income, appraisal, title, etc).
• Strong expertise in income analysis, credit evaluation, collateral review, and AUS findings.
• Experience testing technology products or tools is a plus.
• Tech-savvy with ability to critique mortgage software and explain findings clearly.
• Excellent documentation, prioritization, and communication skills.

PREFERRED SKILLS:

• Experience with fintech or SaaS mortgage tools.
• Familiarity with automated income calculation or verification platforms.
• Exposure to agile product development environments.

WHAT YOU’LL DO:

• Product Analysis
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• advanced knowledge of Fannie Mae, Freddie Mac, FHA, and VA guidelines to rigorously test mortgage underwriting tools and validate accuracy.

• Review borrower documentation (income, assets, credit, collateral, AUS findings) and confirm the correct application of underwriting rules within the product.
• Document test results thoroughly, flag discrepancies, and recommend solutions to ensure compliance with agency and investor standards.
• Organize, prioritize, and track enhancement opportunities to drive continuous product improvement.Serve as the subject matter expert on underwriting practices, providing clarity and context to both technical and non-technical teams.
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• Collaboration & Communication

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• Translate complex underwriting requirements into clear, actionable Jira tickets, product specifications, or roadmap items.

• Partner closely with Product, Engineering, and QA teams to guide enhancements and ensure underwriting accuracy throughout the development lifecycle.
• Provide ongoing SME input to influence roadmap prioritization, feature design, and product compliance decisions.
• Communicate findings and recommendations effectively to both leadership and cross-functional stakeholders, ensuring alignment across teams.