Closing Specialist, Lending

About Upstart

Upstart is the 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 80% of borrowers are approved instantly, with zero documentation to upload.

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 Home Lending Operations team at Upstart is committed to delivering best‑in‑class service and operational excellence as we scale our home lending product. This is a fast‑growing team working in a pod‑based structure composed of both NMLS‑licensed and non‑licensed team members across a range of experience levels.

As a Closing Specialist, you’ll be part of a non‑licensed team responsible for finalizing HELOC loans. In this role, you’ll focus on preparing and sending loan packages, serving as a critical final step in the loan process to ensure accuracy and a smooth closing experience for our customers. While you’ll report to an Operations Manager, the role can often be autonomous and designed for professionals who excel in dynamic, fast‑paced environments and are eager to take ownership of their work.

• Coordinate and schedule loan closings with borrowers, are our closing vendors.
• Monitor your closing pipeline daily to identify missed or at‑risk closings and proactively re‑engage borrowers and stakeholders as needed.
• Review closing packages for completeness and flag any missing or incorrect documentation before the closing.
• Communicate directly with applicants to confirm final details, resolve last‑minute issues, or escape items back to the processing pod when borrower re‑engagement is needed.
• Use tools such as Vesta and Salesforce to manage file progress, document communication, and maintain audit‑ready records.
• Collaborate with internal teams, including Processing, Quality and Recording, to ensure all loan conditions are cleared prior to closing.
• Contribute to continuous process improvements, especially as Upstart scales its home lending footprint and adds new products and workflows.
• Ensure compliance with state and federal lending regulation.

• 1–2 years of experience in loan processing, mortgage operations, or title and escrow service experience.
• Demonstrated ability to manage a high‑volume pipeline, prioritize competing tasks, and meet tight deadlines.
• Strong attention to detail with experience reviewing financial or legal documentation for accuracy.
• Effective written and verbal communication skills for coordinating across multiple stakeholders (borrowers and vendors).
• Proficiency with loan origination systems (e.g., Vesta), Salesforce, and productivity tools.
• Ability to work standard hours (9 AM – 5:30 PM EST) and occasional weekends as business needs evolve.
• Reside within 60 miles of Columbus, OH, and able to work from the office at least two days per week.

• Background in mortgage, home lending, or fintech operations.
• Familiarity with home equity loan products and associated regulatory timelines (e.g., rescission periods, closing disclosures).
• Knowledge of key compliance guidelines, such as TRID, RESPA, and state‑level notary rules.
• Experience supporting loan officers or processors in a pod or team‑based structure.
• Adaptable and solutions‑oriented mindset, especially in fast‑moving or high‑growth environments.

Position location:

This role is available in the following locations:
Columbus, OH

Time zone requirements:
The team operates on the East/ West coast time zones.

In‑Office requirements:
You will be required to work from the Columbus, Ohio…