Job Description

Upstart is a leading AI lending platform partnering with banks to expand access to affordable credit. Forbes recently ranked Upstart #12 on its list of "most promising AI companies in America." Inc. Magazine also recognized Upstart as one of the Best Workplaces for 2020.

By leveraging Upstart's AI platform, Upstart-powered banks can have higher approval rates and lower loss rates, while simultaneously delivering the exceptional digital-first lending experience their customers demand. Upstart's patent-pending platform is the first to receive a no-action letter from the Consumer Financial Protection Bureau related to fair lending. Upstart is based in San Mateo, California and Columbus, Ohio.

Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!

As a CREDIT ANALYST at Upstart, you will provide an exceptional borrower experience throughout the application process, while gathering and analyzing educational and financial data to verify the credit-worthiness of borrowers.

DETAILS ABOUT APPLYING: We will review every application in consideration for current or future roles. There is no need to apply to this position multiple times. **PLEASE CHECK YOUR SPAM/JUNK MAIL FOR UPSTART EMAILS AFTER APPLYING!

HOW YOU’LL MAKE AN IMPACT:

• Work with potential borrowers and review applications to verify elements of each loan application, such as employment, income, identity, and tax documents, in a timely and efficient manner
• Identify and implement process improvements in the borrower application process
• Build trust and cultivate borrower, investor, and colleague relationships
• Other projects as assigned

WHAT WE’RE LOOKING FOR

• Minimum requirements:

  • 1+ year of experience in customer service, consumer lending, personal banking, or similar
  • Ability to work 8 hours on either Saturday or Sunday on a permanent basis
  • Strong analytical and problem solving skills
  • Passion for delivering a great customer experience
  • Impeccable judgment and acute attention to detail
  • Track record of high performance
  • BA / BS degree or Associates degree

• Preferred qualifications

  • Familiarity with loan underwriting, financial statements, tax documents, and payroll
  • Experience in auto credit analysis
  • Bilingual in English/Spanish

WHAT YOU’LL LOVE:

• Competitive Compensation (base + bonus & equity)
• Comprehensive medical, dental, and vision coverage
• Personal Development and Technology & Ergonomic Budgets
• Life insurance and disability benefits
• Clubs and Activities (Game Nights, Fitstarters, Superwomen, Book Club, Investing Club, Money Discussions, Photography Club and Basketball teams)
• Generous vacation policy
• 401(k)
• Catered lunches + snacks & drinks

Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.

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