Senior Loan Processor, Auto

Upstart; Columbus (OH); Hybrid; USD 34,440 - 35,817; Full time

Benefits offered by this job

Competitive compensation

401(k) with company match

Employee Stock Purchase Plan

Job summary

Upstart is seeking a Senior Loan Processor in Columbus, OH. In this role, you will review and verify loan applications and support customers throughout the lending process. You will work closely with the Auto Onboarding team to ensure timely decisions while maintaining compliance with policies.

The ideal candidate will have experience in loan processing, customer application reviews, and operational management in fast-paced environments.

Qualifications

• 9+ months of experience in onboarding or loan processing.
• Experience verifying financial documents while adhering to policies.
• Demonstrated ability to meet productivity metrics in high-volume environments.

Responsibilities

• Review and process auto lending applications accurately.
• Verify customer income and supporting documents.
• Navigate operational queues and prioritize applications.

Skills

Onboarding and loan processing

Financial operations

Documentation verification

Productivity and metrics adherence

Operational queue management

Tools

Case management systems

Job description

About Upstart

At Upstart, 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 1,800 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

Upstart’s Auto Onboarding team is responsible for reviewing and processing applications across Auto Refinance, Auto Retail Indirect, and Auto‑secured Personal Loan products. As origination volume continues to grow, the team plays a critical role in ensuring customers receive timely, accurate decisions while maintaining compliance with operational policies and procedures.

Senior Loan Processor, Auto

As a Senior Loan Processor, Auto at Upstart, you will review and verify applications that require manual evaluation beyond instant AI approvals. You’ll assess income and supporting documentation, review auto‑specific verification items such as insurance and payoff information, and help customers move efficiently through the lending process. This role also contributes feedback that helps improve workflows, operational processes, and automation capabilities as the business scales.

How you’ll make an impact

• Review and process auto lending applications with accuracy, efficiency, and adherence to established policies and procedures
• Verify customer income, insurance documentation, payoff quotes, and other application materials to support lending decisions
• Navigate large operational queues independently and prioritize aging or high‑priority applications in a fast‑paced environment
• Identify discrepancies, workflow gaps, or operational issues and expedite findings to appropriate partners when needed
• Collaborate with teammates and cross‑functional partners to support operational improvements, policy updates, and new product launches
• Contribute feedback and insights that help improve customer experience, internal tooling, and process scalability as Upstart’s auto products continue to grow

Minimum Qualifications

• 9+ months of experience in onboarding, loan processing, financial operations, banking operations, insurance operations, or auto lending support roles
• Experience reviewing customer applications, financial documents, or verification materials while adhering to established policies and procedures
• Demonstrated experience meeting productivity and quality performance metrics in a high‑volume operational environment
• Experience using case management systems, operational dashboards, or internal tooling to identify discrepancies, exceptions, or processing issues
• Ability to manage multiple priorities and complete application reviews in a queue‑based operational environment

Preferred Qualifications

• Knowledge of auto lending operations, including auto refinance, indirect auto lending, or secured lending products
• Ability to identify process inefficiencies and contribute recommendations that improve operational workflows or customer experience
• Skills in analyzing application data and supporting documentation to identify abnormalities, inconsistencies, or process gaps
• Experience collaborating with cross‑functional teams to support operational changes, escalations, or new product implementations
• Effective communication skills when supporting customers, business partners, and internal stakeholders in a fast‑paced environment

Position Location

This role is available in the following location: Columbus, OH (Easton, OH office)

Time Zone Requirements

The team operates on the East Coast time zone.

Shift Time Requirements

You must be able to adhere to a Tuesday‑Saturday or Sunday‑Thursday work schedule aligning to one of the following shift times.

• 9:00 am – 5:30 pm ET
• 11:30 am – 8 pm ET

In‑Office Requirements

You will be required to work from the Easton, OH office 2 days per week (Wednesdays & Thursdays).

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 or Canada (outside of Quebec) but are expected to spend high quality time in‑person collaborating via regular onsites and in‑person meetings. The onsite cadence varies depending on the team and role; most teams meet once or twice per quarter for 2–4 consecutive days at a time.

Compensation

Non‑Exempt position. Employees are paid hourly 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.

Hourly rate: $25.48 USD.

What you'll love

At Upstart, our benefits are designed to support your health, financial well‑being, family, and personal growth. Here’s what you can expect:

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
• Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
• Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
• Health Savings Account contributions from Upstart for eligible plans (US only)
• Income protection benefits, including life insurance and disability coverage for added financial security
• Paid time off, sick leave, and company holidays, in line with local requirements
• Paid family and parental leave to support caregiving and major life moments (duration varies by country)
• Family‑centered benefits to support fertility, parenthood, and caregiving needs
• Employee Assistance Program (EAP) offering mental health support and life‑centered resources
• Financial wellness resources, including access to financial planning tools and a financial concierge service (US only)
• Annual wellness allowance to support your physical and emotional well‑being and personal development, based on what matters most to you
• Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
• Connection and community through team events, all‑company updates, and employee resource groups (ERGs)
• Onsite perks, including catered lunches and fully stocked micro‑kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026)

For roles based in Canada, please note that we are not currently able to hire in Quebec.

Equal Opportunity Employer

Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.

Work‑Accommodation Statement

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 [e-mail].