Closing Specialist, Home Lending

The Team: 

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.

How you’ll make an impact

• 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 escalate 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.

Minimum Qualifications 

• 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.

Preferred Qualifications

• 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 office 2 days per week (must be within a 60 mile radius). Depending on business needs, agents may be asked to work from the office more often.

What you'll love: 

• Competitive Compensation (base + bonus & equity)
• Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 
• 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
• 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

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