Senior Loan Processor, Auto

Upstart•Columbus, OH

6d•Hybrid

About The Position

Upstart's Auto Onboarding team is responsible for reviewing and processing applications across Auto Refinance, Auto Retail Indirect, and Auto-secured Personal Loan products. As origination volume continues to grow, the team plays a critical role in ensuring customers receive timely, accurate decisions while maintaining compliance with operational policies and procedures. As a Senior Loan Processor, Auto at Upstart, you will review and verify applications that require manual evaluation beyond instant AI approvals. You’ll assess income and supporting documentation, review auto-specific verification items such as insurance and payoff information, and help customers move efficiently through the lending process. This role also contributes feedback that helps improve workflows, operational processes, and automation capabilities as the business scales.

Requirements

9+ months of experience in onboarding, loan processing, financial operations, banking operations, insurance operations, or auto lending support roles
Experience reviewing customer applications, financial documents, or verification materials while adhering to established policies and procedures
Demonstrated experience meeting productivity and quality performance metrics in a high-volume operational environment
Experience using case management systems, operational dashboards, or internal tooling to identify discrepancies, exceptions, or processing issues
Ability to manage multiple priorities and complete application reviews in a queue-based operational environment

Nice To Haves

Knowledge of auto lending operations, including auto refinance, indirect auto lending, or secured lending products
Ability to identify process inefficiencies and contribute recommendations that improve operational workflows or customer experience
Skills in analyzing application data and supporting documentation to identify abnormalities, inconsistencies, or process gaps
Experience collaborating with cross-functional teams to support operational changes, escalations, or new product implementations
Effective communication skills when supporting customers, business partners, and internal stakeholders in a fast-paced environment

Responsibilities

Review and process auto lending applications with accuracy, efficiency, and adherence to established policies and procedures
Verify customer income, insurance documentation, payoff quotes, and other application materials to support lending decisions
Navigate large operational queues independently and prioritize aging or high-priority applications in a fast-paced environment
Identify discrepancies, workflow gaps, or operational issues and escalate findings to appropriate partners when needed
Collaborate with teammates and cross-functional partners to support operational improvements, policy updates, and new product launches
Contribute feedback and insights that help improve customer experience, internal tooling, and process scalability as Upstart’s auto products continue to grow

Benefits

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 (opening Summer 2026!)