Senior Credit Analyst, Personal Loans
Senior Credit Analyst, Personal Loans
Employer Active
Job Alert
You will be updated with latest job alerts via email
Share
Job Alert
You will be updated with latest job alerts via email
Job Description
About Upstart
Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstarts 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 wed love to hear from you!
The Team
Upstarts Operations team is the fastest growing team in the org and were seeking Senior Credit Analysts to support our Onboarding this flexible role you will support the operations of one or more of our core business verticals based on the needs of our business.
Were seeking Senior Credit Analysts to join us on the ground level. Our Senior Credit Analysts 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.
Position Location - This role is available in the following locations: Columbus Ohio (60 mile radius). This role follows a hybrid schedule with two on-site days each week at our Easton OH office.
Schedule requirement -This role is aligned to theTuesday - Saturday 9-5:30pm ET shift. The first weeks will be training (M-F 9-5:30pm) and following you will begin working the assigned shift time.
Time Zone Requirements - This team operates on the East/West Coast time zones.
Travel Requirements - As a digital first company the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
How youll make an impact:
- 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.
- Deliver an outstanding customer experience by representing Upstart when working with potential borrowers as part of the verification process.
- Serve as a resource for customer issues complaints application information verification and other complex tasks.
- Identify possible areas of process and workflow improvements contribute to the development and implementation of solutions.
- Act as a utility player supporting both pre- and post-origination efforts
What were looking for:
- 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
- Familiarity with the processes involved in taking out a personal loan
- High School Diploma or GED
- Preferred qualifications:
- Familiarity with Fraud and BSA/AML practices and procedures
- Ability to think critically propose creative solutions and flag inconsistencies in documentation
- Experience working with loan origination systems (LOS) like Vesta or Encompass
- Strong organizational and time management skills able to prioritize tasks effectively in a fast-paced environment
- Passion for delivering a great customer experience
- Ability to demonstrate patience alongside efficiency; can triage and prioritize questions or issues take ownership and drive problems to resolution
- Very strong attention to detail with an understanding that small mistakes can have a large impact
- Proven ability to handle complex or unusual loan scenarios and work closely with underwriters to find solutions
What youll 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 $4500 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 locationwith 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
Senior IC
Employment Type
Full Time
Key Skills
Similar Jobs
Dr. Job is an online platform that connects employers with skilled job seekers, facilitating the search for job opportunities and top talent. Established in 2015. Dr. Job Pro has emerged as the world premier job portal, attracting thousands of job seekers every day from all over the world.
Follow Dr.Job
Dr Job FZ LLC. 2025 © All Rights Reserved