Senior HELOC Underwriter, Specialized Credit Decisioning & Strategy jobs in United States
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Upstart · 12 hours ago

Senior HELOC Underwriter, Specialized Credit Decisioning & Strategy

positionUnited States
timeFull-time
remoteRemote
seniorityMid, Senior Level
money$76K/yr - $105K/yr
date5+ years exp

Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. They are seeking a Senior HELOC Underwriter to independently resolve complex HELOC exception and escalation cases, partner with Closing/Title for timely decisions, and analyze outcomes to improve processes. This role involves delivering clear documentation and contributing to operational consistency within a digital-first environment.

Artificial Intelligence (AI)AutomotiveConsumer LendingCreditFinancial ServicesFinTechLendingMachine LearningPersonal Finance
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H1B Sponsor Likelynote

Responsibilities

Own exceptions & escalations: Independently resolve complex HELOC exception and escalation cases (income/asset nuance, liens, layered risk, occupancy/property considerations) within delegated authority and policy intent
Underwriting-to-close partnership: Partner directly with Closing/Title to resolve closing blockers by making timely decisions within authority—and when needed, partnering with Underwriting leadership and Legal & Compliance to reach policy-aligned resolutions that keep files on track for on-time funding
Audit-ready documentation: Deliver clear, defensible rationale and executable conditions (complete notes, evidence, and requirements) that reduce downstream churn and withstand QA/audit scrutiny
Data-driven improvement: Analyze exception/escalation and closing outcomes to identify recurring friction points (rework drivers, cycle-time bottlenecks, defect themes) and translate insights into process, policy, or workflow recommendations
Enablement & consistency: Contribute to calibration, edge-case guidance, and playbooks that improve decision consistency and reduce repeat escalations

Qualification

HELOC underwriting experienceExceptions & Escalations experienceData analytics capabilitySQL proficiencyBI tools proficiencyWritten documentationCollaboration with Legal & ComplianceWorkflow improvements experienceDigital mortgage workflowsIndependent credit decisioning

Required

5+ years residential mortgage underwriting experience with independent credit decision ownership
Direct Exceptions & Escalations underwriting experience (e.g., escalation desk/queue, second-level review, exception authority role)
HELOC underwriting experience, including lien position/lien documentation, CLTV/HCLTV, property/occupancy, and income/asset evaluation
Proven experience partnering with Closing/Title to set executable conditions and resolve underwriting-to-close issues through clear-to-close and/or funding
Strong written documentation skills (clear rationale, conditions, supporting evidence) appropriate for QA/audit review
Demonstrated data analytics capability to evaluate trends, quantify impact, and make process improvement recommendations (e.g., Excel/Sheets analysis, dashboards, root-cause analysis)

Preferred

Experience partnering with Legal & Compliance on policy interpretation and exception decisions
Proficiency with SQL and/or BI tools (e.g., Looker/Tableau) and comfort working with operational datasets
Experience contributing to workflow improvements (playbooks, decision trees, control enhancements, system triggers) that reduce rework or cycle time
Familiarity with digital mortgage workflows and case management/LOS tooling
Underwriting Experience with independent credit decisioning at a Fintech company

Benefits

Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
Employee Stock Purchase Plan (ESPP)
Life and disability insurance
Generous holiday, vacation, sick and safety leave
Supportive parental, family care, and military leave programs
Annual wellness, technology & ergonomic reimbursement programs
Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
Catered lunches + snacks & drinks when working in offices

Company

Upstart

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Upstart (NASDAQ: UPST) is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit.
dateFounded in 2012
location
San Mateo, California, USA
people-size1001-5000 employees
web-link
https://upstart.com/about

H1B Sponsorship

Upstart has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (68)
2024 (67)
2023 (85)
2022 (85)
2021 (42)
2020 (15)

Funding

Current Stage
Public Company
Total Funding
$3.36B
Key Investors
CastlelakeProgressiveRakuten
2025-11-06Post Ipo Debt· $1.5B
2025-09-05Post Ipo Debt· $320M
2025-08-12Post Ipo Debt· $600M

Leadership Team

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Dave Girouard
Founder & CEO
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Paul Gu
Co-Founder
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Recent News

Business Wire
Rize Credit Union Partners with Upstart to Expand Access to Personal Loans in California
2026-01-22
The Motley Fool
3 High-Conviction AI Stocks With 10x Potential by 2036
2026-01-03
The Motley Fool
Should You Forget Upstart and Buy American Express Instead?
2026-01-01
Company data provided by crunchbase