Job Description
Location: Irvine, CA (onsite) • Compensation: USD 140,000 - 160,000 annually
Acra Lending offers a comprehensive benefits package and a collaborative culture. This AI Engineer role focuses on agentic AI and workflow automation to design, build, and deploy intelligent systems that drive operational efficiency, shorten loan cycles, elevate borrower and broker experiences, strengthen compliance, and grow EBITDA through scalable automation.
Benefits
- Medical, dental, vision
- Wellness programs
- EAP counseling services
- FSA & HSA
- Company sponsored life insurance for employee
- Voluntary life insurance for employee, spouse and child
- AD&D Insurance
- Voluntary short-term and long-term disability
- Critical illness insurance
- Accident insurance
- Legal assistance
- Pet insurance
- Living will and trust preparation discounts
- Commuter program
- Annual walking challenge
- Employee appreciation events
- Monthly sales awards
Responsibilities
- Design, develop, and deploy AI agents and multi-agent systems to automate mortgage workflows across the loan lifecycle.
- Build intelligent orchestration frameworks capable of autonomous decision support, task execution, and workflow routing.
- Develop AI copilots and internal assistants for underwriting, loan processing, sales, operations, secondary markets, compliance, capital markets, and executive leadership.
- Create AI-powered exception handling and escalation frameworks for complex loan scenarios.
- Identify, redesign, and automate high-friction operational workflows across the mortgage platform.
- Develop automation solutions for loan intake, document classification, income and asset analysis, credit review, conditions management, broker communication, borrower engagement, QC and compliance reviews, and post-close processes.
- Implement Retrieval-Augmented Generation (RAG) systems using lending guidelines, overlays, investor matrices, and SOPs.
- Build prompt orchestration, memory systems, and agent reasoning frameworks.
- Evaluate and deploy emerging AI technologies for document intelligence, NLP, computer vision, and decision support.
- Integrate AI systems with LOS platforms, CRM systems, pricing engines, OCR/document recognition tools and data platforms.
- Develop APIs and middleware to enable seamless AI workflow orchestration.
- Ensure AI implementations align with mortgage regulatory requirements and governance standards.
- Design controls around explainability, auditability, model monitoring, and human-in-the-loop approvals.
- Help define and execute the enterprise AI strategy.
- Prioritize high ROI automation opportunities that improve revenue, pull-through, turn times, cost-to-originate, scalability, and EBITDA.
Requirements
- 5+ years of software engineering, AI engineering, or machine learning experience.
- 2+ years building LLM-based applications or agentic AI systems.
- Experience with orchestration frameworks such as LangChain, LangGraph, CrewAI, AutoGen, Semantic Kernel, or MCP-based architectures.
- Strong Python development skills and experience with APIs, vector databases, prompt engineering, RAG architectures, and workflow automation.
Technologies
- Python
- SQL
- JavaScript/TypeScript
- LangChain
- LangGraph
- CrewAI
- AutoGen
- Semantic Kernel
- MCP-based architectures
- OpenAI
- Anthropic
- Open-source LLMs
- Hugging Face
- n8n
- UiPath
- Zapier
- Make
- Apache Airflow
- AWS
- Azure
- GCP
- Docker
- Kubernetes
- CI/CD
Preferred Qualifications
- Experience in mortgage lending, fintech, banking, or financial services.
- Familiarity with Non-QM underwriting guidelines including DSCR, Bank Statement, Asset Qualifier, ITIN, Foreign National, and Jumbo products.
- Experience with mortgage LOS platforms and deploying AI in regulated environments.
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