Job Description

About Upstart

At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.

As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.

We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.

If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.

The Team:

Upstart's Loan Processing team helps borrowers move through the lending process accurately, efficiently, and with confidence. The team reviews loan applications, validates documentation, and partners across Operations, Quality, and Training to ensure every file is processed with quality, accuracy, and compliance at the forefront.

As a Senior Loan Processor, you'll independently manage a pipeline of loan applications from processing through closing coordination and post-close documentation with limited day-to-day guidance. You'll apply sound judgment to resolve more complex processing scenarios while balancing quality and timeliness, and following established policies. As you build experience, you'll take on increasingly complex loan files and contribute ideas that improve day-to-day team workflows.

How you’ll make an impact

• Manage a pipeline of loan applications, moving files through processing, closing coordination, and post-close documentation while meeting quality and turnaround expectations.
• Review borrower documentation, identify missing or inconsistent information, and resolve processing issues by applying established policies and sound judgment.
• Independently manage more complex loan files, escalating risks or exceptions appropriately to help ensure a high-quality borrower experience.
• Identify opportunities to improve day-to-day workflows and contribute ideas that increase team efficiency.

Minimum Qualifications

• 1+ years of experience in loan processing, loan origination, or a comparable role supporting consumer lending at a financial institution or mortgage company.
• Experience reviewing financial documentation and processing loan applications while meeting established quality and productivity standards.
• Experience communicating with customers to obtain documentation, resolve questions, or provide application updates by phone and in writing.
• Experience consistently meeting quality, productivity, or service level expectations in a high-volume operations environment.

Preferred Qualifications

• Knowledge of consumer lending operations, loan documentation, and applicable regulatory requirements.
• Experience identifying opportunities to improve day-to-day operational processes or workflows.
• Ability to support teammates by sharing knowledge and best practices.
• Experience using AI-enabled productivity or knowledge management tools to improve efficiency while applying appropriate human judgment.
• Ability to adapt to changing priorities, policies, and operational processes.

Position location This role is available in the following locations: Columbus, OH (Easton office)

Time zone requirements The team operates on the East coast time zone.

In-Office requirements. You will be required to work from the Columbus, Ohio (Easton) office 2 days per week. The in office days for this team are Wednesday and Thursday.

Shift time requirements: You must be able to adhere to a Tuesday - Saturday or Wednesday - Sunday work schedule aligning to one of the below shift times.

• 9:00am - 5:30pm ET
• 10:00am - 6:30pm ET

#LI-Entry

This is a Non-Exempt position. Employees in this position are paid an hourly pay rate, on a bi-weekly basis, and are eligible to receive overtime pay for any hours worked over 40 in a work week, or over 8 in a work day if required by state law.

Columbus, OH - Anticipated Hourly Rate Range

$25.48—$25.48 USD

What you'll love

At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
• Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
• Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
• Health Savings Account contributions from Upstart for eligible plans (US only)
• Income protection benefits, including life insurance and disability coverage for added financial security
• Paid time off, sick leave, and company holidays, in line with local requirements
• Paid family and parental leave to support caregiving and major life moments (duration varies by country)
• Family-centered benefits to support fertility, parenthood, and caregiving needs
• Employee Assistance Program (EAP) offering mental health support and life-centered resources
• Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)
• Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
• Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
• Connection and community through team events, all-company updates, and employee resource groups (ERGs)
• Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City

For roles based in Canada, please note that we are not currently able to hire in Quebec.

Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.

If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com

https://www.upstart.com/candidate_privacy_policy