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:
The Home Lending Operations team at Upstart is committed to delivering best-in-class service and operational excellence as we scale our home lending product. This is a fast-growing team working in a pod-based structure composed of both NMLS-licensed and non-licensed team members across a range of experience levels.
As a Closing Specialist, you’ll be part of a non-licensed team responsible for finalizing HELOC loans. In this role, you’ll focus on preparing and sending loan packages, serving as a critical final step in the loan process to ensure accuracy and a smooth closing experience for our customers. While you’ll report to an Operations Manager, the role can often be autonomous and designed for professionals who excel in dynamic, fast-paced environments and are eager to take ownership of their work.
How you’ll make an impact
- Coordinate and schedule loan closings with borrowers, are our closing vendors.
- Monitor your closing pipeline daily to identify missed or at-risk closings and proactively re-engage borrowers and stakeholders as needed.
- Review closing packages for completeness and flag any missing or incorrect documentation before the closing.
- Communicate directly with applicants to confirm final details, resolve last-minute issues, or escalate items back to the processing pod when borrower re-engagement is needed.
- Use tools such as Vesta and Salesforce to manage file progress, document communication, and maintain audit-ready records.
- Collaborate with internal teams, including Processing,Quality and Recording, to ensure all loan conditions are cleared prior to closing.
- Contribute to continuous process improvements, especially as Upstart scales its home lending footprint and adds new products and workflows.
- Ensure compliance with state and federal lending regulation.
Minimum Qualifications
- 1–2 years of experience in loan processing, mortgage operations, or title and escrow service experience.
- Demonstrated ability to manage a high-volume pipeline, prioritize competing tasks, and meet tight deadlines.
- Strong attention to detail with experience reviewing financial or legal documentation for accuracy.
- Effective written and verbal communication skills for coordinating across multiple stakeholders (borrowers and vendors).
- Proficiency with loan origination systems (e.g., Vesta), Salesforce, and productivity tools.
- Ability to work standard hours (9 AM – 5:30 PM EST) and occasional weekends as business needs evolve.
- Reside within 60 miles of Columbus, OH, and able to work from the office at least two days per week.
Preferred Qualifications
- Background in mortgage, home lending, or fintech operations.
- Familiarity with home equity loan products and associated regulatory timelines (e.g., rescission periods, closing disclosures).
- Knowledge of key compliance guidelines, such as TRID, RESPA, and state-level notary rules.
- Experience supporting loan officers or processors in a pod or team-based structure.
- Adaptable and solutions-oriented mindset, especially in fast-moving or high-growth environments.
Position location This role is available in the following locations: Columbus, OH
Time zone requirements The team operates on the East/ West coast time zones.
In-Office requirements. You will be required to work from the Columbus, Ohio office 2 days per week (must be within a 60 mile radius). Depending on business needs, agents may be asked to work from the office more often.
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 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
#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.
At Upstart, your base pay is one part of your total compensation package. The anticipated annualized base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
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 [email protected]
https://www.upstart.com/candidate_privacy_policy
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