Senior Credit Analyst, HELOC

About the position Responsibilities • Manage 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. Requirements • 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 mortgage products, including HELOCs, and the loan process, from application through closing. • High School Diploma or GED. Nice-to-haves • 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. Benefits • 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. Apply tot his job