Senior Home Lending Underwriter

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🔥 3 minutes ago

🇺🇸 United States – Remote

💵 $79k - $109.2k / year

⏰ Full Time

🟠 Senior

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Upstart

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. As we transitioned to being a public company, we’re now poised to leverage our domain expertise and revolutionize every aspect of lending and credit risk evaluation. We’ve recently expanded our offerings to include automobile refinancing and we plan to take on more verticals as the business grows.

📋 Description

• Ensure all approval and decline decisions are well-supported, clearly documented, and consistent with credit policy and regulatory expectations. • Accurately calculate and validate borrower income (W-2, self-employed, variable income, rental, etc.) and assess assets to determine repayment ability. • Review applications for potential fraud indicators (income misrepresentation, occupancy concerns, document inconsistencies, identity risk) and take appropriate action in alignment with fraud protocols. • Maintain complete, audit-ready loan files with clear rationale, supporting documentation, and decision notes. • Apply underwriting guidelines consistently and contribute to maintaining quality and reducing defects across the underwriting process.

🎯 Requirements

• 5+ years of residential mortgage underwriting experience with independent decisioning authority • Demonstrated experience making both approval and decline decisions • Strong experience calculating income across multiple borrower profiles (W-2, self-employed, variable income, rental income, etc.) • Experience reviewing loan files for fraud risk and escalating concerns appropriately • Experience working within an LOS and reviewing full loan documentation packages • Strong documentation skills supporting credit decisions for QA/audit review

🏖️ Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly • Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) • Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. • Health Savings Account contributions from Upstart for eligible plans (US only) • Income protection benefits, including life insurance and disability coverage for added financial security • Paid time off, sick leave, and company holidays, in line with local requirements • Paid family and parental leave to support caregiving and major life moments (duration varies by country) • Family-centered benefits to support fertility, parenthood, and caregiving needs • Employee Assistance Program (EAP) offering mental health support and life-centered resources • Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) • Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you • Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from • Connection and community through team events, all-company updates, and employee resource groups (ERGs) • Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)