Senior Loan Processor, Auto

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: 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. How you’ll make an impact 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 Minimum Qualifications 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 Preferred Qualifications Knowledge of auto l