Audr

Fractional CAIO (Chief AI Officer)

JobGenie

Artificial Intelligence Research & Development Agency creating AI products focused on social impact.

jobgenie.ai
doineedai.com
ai4families.com

Founder / Creative Director 

jobworx.ai

Strategic AI Consultant

Breakthru Analytics

Web and mobile app development and automation for small businesses and freelance clients.

Founder

Cleverman Inc.

- NLP Specialist
- Built and deployed recommendation systems

Data Scientist

Hispanic Counseling Center

Youth Counselor

CAIO, AI Advisor & Founder | Building AI-First companies & sharing best practices

I’m a Fractional CAIO, Advisor and the Founder of JobGenie - an AI research and development company focused on using AI for social impact.

Our portfolio includes:

1- Do I Need AI?: one-day workshop that identifies your business’s AI opportunities and risks, crafts tailored action plans and gets your team using AI confidently. (Clients varied across 7 industries and 3 countries - Featured in Forbes)

2- AI For Families: AI & social media safety resources to help families navigate technology responsibly. (Available for individuals + nonprofits + schools)

3- Ayuda Rapida: A free people-first, gig-economy marketplace making it easy to find and share local services. (In Puerto Rico)

4- JobGenie v1 ( Job Application Agent): One of the first AI agents for job applications. Launched in 2021, enabling users to apply to 100 jobs with a single click.

5- Symptom Diagnostic AI: 24/7 medical assistant tool for assessing the severity of menopause and postpartum symptoms.

I've also developed data-driven frameworks guiding top PE/VC firms in investment decisions and advised startups on high-impact AI adoption strategies to achieve results with limited resources.

I'm an AI generalist passionate about clear thinking, meaningful frameworks and using data to create positive impact.

If you want to work with me in any capacity send me a DM or check out: jobgenie.ai

Jared Bonilla

A4 Wealth Advisors, LLC

Chief Compliance Officer / Executive Client Associate

Client Associate

Self Employed

Freelance

Thrive Mortgage LLC

Expert knowledge of Encompass, Appraisal review, Title review, Desktop Underwriter(DU), Loan Prospector/Loan Product Adviser(LP/LPA),Collateral Underwriter, FHA, Portfolio, Jumbo, Bond and Manual Underwriting products. 
Validated income, assets, property, disclosures and reviewed for red flags
Provided detailed summary of findings and provided a loan decision, loan approvals, conditional loan approvals, suspense and loan denials.
Categorical understanding of the mortgage lending process 
Ability to carry out requisite loan calculations (DTI,. LTV, etc.)
Ability to handle numerous files simultaniously 
Trained new underwriters and processors on processes, products and guidelines
Always made myself available to help teammates and assist where needed
Always willingly and enthusiastically volunteered myself to learn new programs and products.
Accomplishments:
Met and exceeded goal of 2 underwrites per day (50 loans per month) first month and all months following
Consistently a top performer
Met and exceeded quality goals
Promoted to Senior Underwriter

Senior Mortgage Underwriter

Clayton Holdings Group

Compared loan file documents to specified guideline requirements
Re-Calculated LTV, CLTV, Income, Liabilities, and debt to income ratios(DTI) and compared against guidelines
Analyzed asset statements in order to determine that funds to close and reserves met guidelines
Confirmed credit scores and credit histories met guidelines
Evaluated evidence of the borrowers willingness and ability to repay the obligation
Examined income, employment, assets and occupancy status for reasonableness
Incorporated updated dates on occupancy, employment, income, borrower identity, credit scores, ect.
Accomplishments:
Top performer
Met and exceeded quality goals
Promoted to Quality Control

TM Quality Control/Due Diligence Underwriter

Wingspan Portfolio Advisors/Chase Bank

Reviewed and analyzed customer financial documentation and proposed modification solutions to assist customers in retaining home ownership
Experience with FHA, Fannie Mae, Freddie Mac and private investor agencies to review proper guidelines and policies
Reviewed and analyzed borrower documentation to determine income and repayment capacity of self-employed borrowers and other more complex files
Assessed borrowers hardship, analyzed housing expenses and determined proper loan resolution
Determined modification recommendation within system based on income/debt analysis
Completed active file audit reviews, quality control reports and post-closing audit functions
Calculated delinquency, analyzed modification scenarios and proposals
Completed review of Appraisal and Title
Identified potential red flags and/or misrepresentation on the part of all interested parties to the transaction
Accomplishments:
Top performer for team first month and multiple months following
Met and exceeded quality goals
Met and exceeded submission quota
Met and exceeded income (MIQR) goals

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The Battle

Jared Bonilla

Heather Fowler

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