Senior Credit Analyst (Contractor)
About Upstart
Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload.
Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.
Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!
The Team
Upstart’s Operations team is the fastest growing team in the org and we're seeking Senior Credit Analysts to support our Onboarding organization. In this flexible role, you will support the operations of one or more of our core business verticals based on the needs of our business (Personal lending, Auto lending, or Home lending). We're seeking Senior Credit Analysts to join us on the ground level. Our Senior Credit Analysts will be an integral part of our Ops organization. The role requires excellent communication skills, strong analytical and problem-solving abilities and a passion for high-quality customer service.
Position Location - This role is available in the following locations: Columbus, OH (60 mile radius). This position is primarily remote with on-site requirements at the Columbus, OH office.
Time Zone Requirements - This team operates on the East/West Coast time zones.
Travel Requirements - As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
How you’ll make an impact:
- As a Senior Credit Analyst you will be responsible for managing workflows and tasks, ensuring that a loan application makes its way through our process smoothly and accurately.
- Deliver an outstanding customer experience by representing Upstart when working with potential borrowers as part of the verification process.
- Serve as a resource for customer issues, complaints, application information verification, and other complex tasks.
- Identify possible areas of process and workflow improvements, contribute to the development and implementation of solutions.
- Act as a utility player, supporting both pre- and post-origination efforts.
What we’re looking for:
- Minimum qualifications:
- 1+ years of experience in loan processing or loan officer roles at a Financial Institution or Mortgage company directly supporting customers
- Proven experience handling difficult or complex customer communications both verbally and in writing, including the ability to generate succinct timelines and escalation details
- Experience reviewing various tax forms and schedules, financial statements, credit reports, and general lending concepts
- Strong understanding of mortgage products, including HELOCs, and the loan process, from application through closing
- High School Diploma or GED
- Preferred qualifications:
- Familiarity with Fraud and BSA/AML practices and procedures
- Ability to think critically, propose creative solutions, and flag inconsistencies in documentation
- Experience working with loan origination systems (LOS) like Vesta or Encompass
- Strong organizational and time management skills, able to prioritize tasks effectively in a fast-paced environment
- Passion for delivering a great customer experience
- Ability to demonstrate patience alongside efficiency; can triage and prioritize questions or issues, take ownership, and drive problems to resolution
- Very strong attention to detail, with an understanding that small mistakes can have a large impact
- Proven ability to handle complex or unusual loan scenarios and work closely with underwriters to find solutions
What you'll love:
- Competitive Compensation (base + bonus & equity)
- Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
- 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
- Employee Stock Purchase Plan (ESPP)
- Life and disability insurance
- Generous sick and safety leave
- Supportive parental, family care, and military leave programs
- Annual wellness, technology & ergonomic reimbursement programs
- Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
- Catered lunches + snacks & drinks when working in offices
#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.
Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.
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
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Join Upstart as a Senior Credit Analyst in Columbus, OH! Imagine being part of a leading AI lending marketplace that’s transforming the way borrowers access credit. At Upstart, we partner with banks and credit unions to improve approval rates and reduce loss rates, making a difference in diverse communities. As a Senior Credit Analyst on our fast-growing Operations team, you’ll play a key role in supporting our Onboarding organization. Your daily tasks will include managing workflows, interacting with borrowers during the verification process, and identifying ways to streamline operations. We value your analytical skills, problem-solving abilities, and commitment to delivering a fantastic customer experience. Whether you’re corresponding with customers or digging into complex financial data, your contributions will help Upstart continue to innovate in the lending space. The position is primarily remote, but you’ll have the chance to collaborate with your team in-person at our Columbus office, which is essential for building those valuable connections. Plus, we offer a host of benefits including competitive compensation, comprehensive healthcare plans, and opportunities for professional growth. If you have a background in loan processing or officer roles, a knack for navigating customer communications, and are eager to make a real impact at a company that values ingenuity, we’d love to hear from you!
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Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we would love to hear from you!
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