Licensed Loan Advisor
The Team:
Upstart’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 Upstart, 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 must physically 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 Upstart, 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, Upstart 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, Upstart 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 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
Burlingame - Anticipated Hourly Rate Range
$28.56—$39.52 USD