Senior Credit Analyst, Personal Loans presso Upstart
Upstart · Columbus, Stati Uniti d'America · On-site
- Ufficio in Columbus
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.
How you’ll make an impact
- 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.
Minimum Qualifications
- 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
Preferred Qualifications
- 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
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
- Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
- 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. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.
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]
