Licensed Loan Advisor

United States Digital Space LLC; Burlingame (CA); Hybrid; USD 81,836,000 - 113,241,000; Full time

Benefits offered by this job

Bonuses

Equity compensation

Medical, dental, vision, and 401k

Job summary

United States Digital Space LLC is seeking a Licensed Loan Advisor to support home lending applicants from application through to funding. This hybrid role requires staying within 60 miles of the office and delivering a high-quality borrower experience across channels.

You will work within Mortgage Operations on HELOC and related products, combining customer guidance with precise operational execution in a fast-moving, growth-focused environment.

Qualifications

• Active NMLS/MLO license in at least one U.S. state.
• Passed SAFE Mortgage Loan Originator test (National with Uniform State Content).
• Active MLO license with an NMLS ID.
• 2+ years experience in mortgage/loan related roles.
• Must reside within 60 miles of the office.
• Experience handling complex borrower communications.
• Experience reviewing borrower documentation (tax forms, financials).

Responsibilities

• Guide borrowers through the home lending application process with clarity.
• Build trust via consultative interactions across phone and written channels.
• Manage application tasks with accuracy and detail.
• Identify issues in borrower information and coordinate with teams to resolve.
• Support borrower communications including escalations and updates.
• Contribute to process improvements for scalable operations.

Skills

Active NMLS/MLO license

SAFE MLO Test

NMLS ID active state license

2+ years mortgage/loan experience

Residency within 60 miles

Customer communications experience

Document review experience

Education

High school diploma or GED

Job description

About the company

At the company, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.

As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.

We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.

If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.

The Team

the company’s Mortgage Operations team is a growing part of the business focused on helping build and scale the company’s home lending experience. The team is launching with HELOC products and is expected to expand coverage and capabilities over time, so this role is well suited for someone who is energized by a fast-moving environment and enjoys helping shape how work gets done as the business grows.

As a Licensed Loan Advisor at the company, you will support home lending applicants throughout the application journey, acting as both a direct point of contact and an advocate for borrowers. This role combines customer-facing guidance with operational execution, helping applicants move through required tasks accurately and efficiently while delivering a high-quality experience.

How you’ll make an impact

• Guide borrowers through the home lending application process, helping them understand next steps, set expectations, and move forward with clarity and confidence.
• Build trust with borrowers through consultative interactions across phone and written channels while delivering a seamless, high-quality customer experience.
• Manage application-related tasks with accuracy and attention to detail, ensuring files progress smoothly and important information is captured clearly.
• Identify issues, gaps, or inconsistencies in borrower information and partner with cross-functional teams to resolve them quickly and effectively.
• Support inbound and outbound borrower communication, including complex questions, escalations, and application updates.
• Contribute to process improvements that strengthen operational excellence and improve the borrower experience as the team scales.

Minimum Qualifications

• Must have an Active NMLS / Mortgage Loan Originator License, and must also:
• Have passed the SAFE Mortgage Loan Originator (MLO) Test (National Test Component with Uniform State Content).
• Hold an active Mortgage Loan Originator (MLO) license in at least one U.S. state through NMLS. The specific state(s) do not matter.
• Have an NMLS ID with at least one active state MLO license reflected in their NMLS Consumer Access record
• 2+ years of experience in mortgage, consumer lending, personal banking, or related financial services roles supporting customers directly.
• Must physically reside within 60 miles of the office.
• Experience handling complex customer communications verbally and in writing, including escalations and issue resolution.
• Experience reviewing borrower documentation such as tax forms, financial statements, and credit-related information within a lending process.

Preferred Qualifications

• Experience supporting HELOC, mortgage, or other home lending products.
• Knowledge of mortgage laws, regulations, and compliance requirements.
• Ability to balance strong customer service with operational precision in a high-volume environment.
• Experience identifying workflow improvement opportunities and helping implement scalable solutions.
• Experience working effectively in a fast-paced, high-growth environment with changing priorities.
• High school diploma or GED.

Position location

This role is based in either Columbus, Ohio or Burlingame, California in a hybrid working model. Candidates MUST physically reside within 60 miles of the office to be eligible for this role.In-Office requirements:You will be required to work from the office 1-2 days per week for this role and you mustphysically reside within 60 miles of the office to be eligible for this role. This role is NOT offered fully remote.Time zone requirements: The team operates on East/West coast time zones.

Travel requirements

The majority of your work can be accomplished in your local office.

#LI-Associate

At the company, your base pay is one part of your total compensation package. The anticipated 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, the company 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, the company provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

Columbus, OH - Anticipated Base Salary Range

$28.56—$39.52 USD

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 r