Senior Credit Analyst (Contractor)

Upstart Network • Columbus, OH

245d • $25 - $25

About The Position

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 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.

Requirements

• 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.

Nice To Haves

• 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.

Responsibilities

• Manage 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.

Benefits

• 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.

What This Job Offers

• Career Level: Entry Level
• Industry: Credit Intermediation and Related Activities
• Education Level: High school or GED