Loan Salability & Model Governance Analyst (Remote)

Mosaec; Northern (KY); Hybrid; USD 116,000 - 160,000; Full time

Benefits offered by this job

Health coverage

401(k) with match

Equity compensation

Employee Stock Purchase Plan (ESPP)

Onsite lunches

Job summary

Upstart’s Secured Lending team is seeking an Analyst to support loan salability reviews and first-line model governance. You will conduct loan-level reviews, organize portfolio data, and prepare governance deliverables to ensure compliance and quality across secured lending channels.

You will collaborate with Credit Risk, Capital Markets, Model Risk Management, and Operations, while contributing to regulatory readiness and audit readiness within a digital-first, largely remote work environment.

Qualifications

• 3+ years in financial services or related analytical function.
• Experience applying criteria to loan-level data and origination documents.
• Experience analyzing portfolio performance and asset quality indicators.
• Experience using Excel/Google Sheets/SQL/BI tools to organize data.
• Experience documenting findings for risk, compliance, and stakeholders.

Responsibilities

• Execute loan-level quality reviews across secured lending originations.
• Pull, organize, and analyze portfolio performance data.
• Maintain asset quality and salability risk reporting packages for partners and leaders.
• Track first-line model performance and flag degradation or anomalies.
• Maintain issue logs, remediation updates, and governance docs.
• Assemble evidence, reporting templates, and materials for reviews.

Skills

Credit operations

Quality control

Risk management

Compliance

Model monitoring

Loan review

Credit analysis

Analytical thinking

Tools

Excel

Google Sheets

SQL

BI tools

Reporting tools

Job description

Upstart’s Secured Lending team is seeking an Analyst to support loan salability reviews and first-line model governance. You will conduct loan-level reviews, organize portfolio data, and prepare governance deliverables to ensure compliance and quality across secured lending channels.

You will collaborate with Credit Risk, Capital Markets, Model Risk Management, and Operations, while contributing to regulatory readiness and audit readiness within a digital-first, largely remote work environment.