Credit Analyst (Contractor)
About Upstart
Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than two-thirds of Upstart loans are approved instantly and are fully automated.
Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.
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!
The Team
Upstart’s Loan Processing team is an integral part of our Operations organization, working directly with our loan applicants. The role requires excellent written and verbal communication skills, strong analytical and problem-solving abilities, and a passion for high-quality customer service.
As a Credit Analyst at Upstart, your role involves assessing the creditworthiness and risk of our applicants. You will play a crucial part in evaluating loan applications by conducting thorough analyses to approve or deny applications. Additionally, you will handle documentation, communicate with applicants through phone and email as necessary, and ensure compliance with relevant regulations. Your expertise is essential to facilitating lending processes responsibly.
Position Location - This role is available in the following locations: Columbus, OH.
Time Zone Requirements - This team operates on the East/West Coast time zones.
Shift requirements are: 9:00AM-5:30PM EST OR 11:30AM-8:00PM EST. Saturday OR Sunday availability (9:00AM-5:30PM EST) is required for this position.
Travel Requirements - While the majority of your work can be accomplished remotely, this team has regular on-site collaboration sessions. Therefore, all employees must be based within a 60 mi radius of Columbus, OH.
How you’ll make an impact:
- Process loan applications by reviewing all documents submitted from potential borrowers and/or requesting additional documentation as needed to drive applications to a final state. Document reviews include employment, income, identity, and tax documents.
- Complete additional ad hoc tasks as assigned to aid in the operational goals of the operations department and loan processing team.
- Build trust and cultivate borrower, investor, and colleague relationships.
What we’re looking for:
- Minimum qualifications:
- 1 year of experience in customer service, phone support, loan processing or similar at a Financial Institution.
- Be available to work a minimum of 40 hrs per week including one weekend day.
- Ability to interpret written policy and procedures and apply to the present situation.
- Strong written and verbal communication skills and the ability to address applicants in an objective yet empathetic manner.
- Impeccable judgment and acute attention to detail; ability to identify/anticipate customers’ needs and clarify information; ability to work independently and make decisions quickly.
- Preferred qualifications:
- Familiarity with loan processing, financial statements, tax documents, and payroll
- Previous experience working in a production based, remote environment
- Passion for delivering a great customer experience.
- Proven track record of excelling in a metric based environment.
- BA/ BS degree, Associates degree, or equivalent work experience.
#LI-Entry
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.
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.
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 candidate_accommodations@upstart.com
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By
Upstart
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 would love to hear from you!
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