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 Home Equity Lending (HELOC) team is focused on delivering a fast, transparent, and compliant borrowing experience for customers accessing their home’s equity. A critical part of this mission is ensuring our processes are clearly documented, easy to follow, and adaptable as products and regulations evolve.
The Documentation and Procedure Specialist serves as the team’s procedural subject-matter expert—developing and maintaining Standard Operating Procedures (SOPs), job aids, and process flows. You’ll collaborate across processing, underwriting, closing, and compliance teams to make sure documentation is accurate, accessible, and effective in supporting both operational efficiency and regulatory requirements.
How you’ll make an impact
- Develop, write, and maintain SOPs, process flows, and job aids for all HELOC functions (origination, processing, underwriting, and closing).
- Regularly review and update documentation for accuracy, clarity, and compliance with federal/state regulations (e.g., RESPA, TILA, Fair Lending).
- Act as a key liaison during audits and compliance reviews, ensuring teams can provide accurate and complete documentation.
- Maintain a centralized repository with version control, ensuring employees always have access to the most current procedures.
- Partner with managers and SMEs to document new or updated processes, especially during product launches or system enhancements.
- Support training efforts by developing reference materials and clearly communicating procedural updates to impacted teams.
- Gather feedback from end-users to continuously improve the usability and effectiveness of documentation.
Minimum Qualifications
- 3+ years of experience in mortgage or home equity lending (loan processing, compliance, or operations).
- Strong attention to detail and accuracy in documentation.
- Experience writing or maintaining procedures, workflows, or technical documentation.
- Familiarity with lending compliance regulations.
- Proficiency with Microsoft Office Suite (Word, Excel, Visio) and document management systems.
Preferred Qualifications
- Bachelor’s degree in business, finance, communications, or related field.
- Prior experience supporting audits or compliance reviews.
- Strong communication skills with the ability to translate complex processes into clear documentation.
- Ability to work independently, manage multiple priorities, and thrive in a fast-paced environment.
Position location This role is available in the following locations: Columbus, Ohio
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, OH or San Mateo, CA office 2 days per week.
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-Associate
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
Top Skills
Similar Jobs at Upstart
What you need to know about the Colorado Tech Scene
Key Facts About Colorado Tech
- Number of Tech Workers: 260,000; 8.5% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: Lockheed Martin, Century Link, Comcast, BAE Systems, Level 3
- Key Industries: Software, artificial intelligence, aerospace, e-commerce, fintech, healthtech
- Funding Landscape: $4.9 billion in VC funding in 2024 (Pitchbook)
- Notable Investors: Access Venture Partners, Ridgeline Ventures, Techstars, Blackhorn Ventures
- Research Centers and Universities: Colorado School of Mines, University of Colorado Boulder, University of Denver, Colorado State University, Mesa Laboratory, Space Science Institute, National Center for Atmospheric Research, National Renewable Energy Laboratory, Gottlieb Institute
