Closing Specialist, Home Lending

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 youll be part of a non-licensed team responsible for finalizing HELOC this role youll 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 youll 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 youll 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 ProcessingQuality 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

• 12 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 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

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