Senior Credit Analyst, Personal Loans

Upstart•Columbus, OH

19h•$25 - $25•Hybrid

About The Position

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; Austin, Texas; and New York City, NY (opening Summer 2026). 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 join us on the ground level 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. 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. You 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 the personal loan process, from application through closing
High School Diploma or GED

Nice To Haves

Familiarity with and other regulatory requirements in surrounding unsecured loan products.
Experience supporting applicants or coordinating with third-party vendors.
Proven adaptability in high-growth, fast-paced environments.
Effective communicator with a team-oriented mindset and willingness to jump in where needed

Responsibilities

Support various operational workflows related to loan processing, closing coordination, and post-close documentation.
Manage and prioritize a personal pipeline of loan files, ensuring accuracy, completeness, and timely movement through the process.
Review applicant-submitted information and documentation, identify gaps or inconsistencies, and follow up as needed.
Maintain clear, detailed notes in systems such as Vesta and Salesforce to ensure visibility across the team.
Collaborate with teammates across Pods, Quality, and Training to identify opportunities to improve workflows and borrower experience.
Adapt to changing business needs by taking on new responsibilities and workflows as the team scales.

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 holiday, vacation, 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