Position: Head of Automated Loan Decisioning

Location: Irvine CA or 100% remote

Our client is one of the largest mortgage providers in America, with a committed to transforming the home financing experience through innovation, customer-centric solutions, and operational excellence. They are looking for a strategic and visionary leader to drive their Automated Loan Decisioning by leading the development and deployment of an AI-powered, end-to-end loan underwriting and approval process.

Why is this a great opportunity?

• Lead a transformative initiative in mortgage automation for a well-respected lender.
• Work in a dynamic environment that values innovation and technology.
• Competitive salary, benefits, and opportunities for professional growth.
• Work 100% remote or work from our awesome HQ in Irvine
• Work with cutting-edge AI and fintech solutions.
• If you are passionate about AI and want to shape the future of mortgage lending, apply now. danieln@noorstaffing.com

Key Responsibilities:

• Strategic Leadership: Define and execute the vision for a fully automated loan decisioning system that enhances speed, accuracy, and risk management.
• Technology Development: Oversee the design and implementation of AI/ML models, rule-based engines, and data-driven underwriting algorithms.
• Cross-Functional Collaboration: Work with risk, compliance, IT, product, and operations teams to ensure the automated decisioning framework meets all business and regulatory requirements.
• Regulatory Compliance: Ensure AI-driven loan decisions align with federal and state regulations, fair lending laws, and ethical AI practices.
• Data & Model Governance: Establish robust data pipelines, model validation protocols, and continuous monitoring to maintain accuracy and fairness.
• Process Optimization: Identify bottlenecks in traditional underwriting and leverage automation to drive efficiency while maintaining risk controls.
• Performance Metrics: Define and track key performance indicators (KPIs) related to loan decisioning speed, approval accuracy, default rates, and customer satisfaction.
• Risk Management: Develop AI-driven fraud detection and risk assessment capabilities to enhance decision reliability.
• Innovation & Thought Leadership: Stay ahead of industry trends, emerging technologies, and best practices in automated underwriting and AI-driven lending.

Qualifications:

• 10+ years of experience in mortgage lending, AI/ML, risk management, or financial technology.
• Proven track record of implementing AI-driven or automated underwriting systems in a financial services environment.
• Strong understanding of mortgage lending regulations (e.g., CFPB, Fannie Mae, Freddie Mac, FHA, fair lending laws).
• Expertise in AI/ML models, predictive analytics, decision engines, and risk assessment frameworks.
• Experience with cloud-based AI platforms, big data technologies, and automated decisioning tools.
• Strong leadership, communication, and project management skills.
• Master’s or Ph.D. in Computer Science, Data Science, Finance, Business, or related field preferred.