Senior Loan Processor, Auto

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.

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.

• 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 escalate 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

• 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

• 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 locations: 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 below shift times.

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.

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.