Licensed Loan Advisor

Upstart · United States

Pay

$50k–170k

Setting

Remote

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CAREERS HOME OPEN ROLES BLOG ABOUT UPSTART CAREERS PROFILE Licensed Loan Advisor Licensed Loan Advisor R-00116 Burlingame, California, United States Columbus, Ohio, United States Operations Group ADD TO FAVORITES VIEW FAVORITES 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 3,000 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 Mortgage Operations team is a growing part of the business focused on helping build and scale the company’s home lending experience. The team is launching with HELOC products and is expected to expand coverage and capabilities over time, so this role is well suited for someone who is energized by a fast-moving environment and enjoys helping shape how work gets done as the business grows. As a Licensed Loan Advisor at Upstart, you will support home lending applicants throughout the application journey, acting as both a direct point of contact and an advocate for borrowers. This role combines customer-facing guidance with operational execution, helping applicants move through required tasks accurately and efficiently while delivering a high-quality experience. How you’ll make an impact Guide borrowers through the home lending application process, helping them understand next steps, set expectations, and move forward with clarity and confidence. Build trust with borrowers through consultative interactions across phone and written channels while delivering a seamless, high-quality customer experience. Manage application-related tasks with accuracy and attention to detail, ensuring files progress smoothly and important information is captured clearly. Identify issues, gaps, or inconsistencies in borrower information and partner with cross-functional teams to resolve them quickly and effectively. Support inbound and outbound borrower communication, including complex questions, escalations, and application updates. Contribute to process improvements that strengthen operational excellence and improve the borrower experience as the team scales. Minimum Qualifications Must have an Active NMLS / Mortgage Loan Originator License, and must also: Have passed the SAFE Mortgage Loan Originator (MLO) Test (National Test Component with Uniform State Content). Hold an active Mortgage Loan Originator (MLO) license in at least one U.S. state through NMLS. The specific state(s) do not matter. Have an NMLS ID with at least one active state MLO license reflected in their NMLS Consumer Access record 2+ years of experience in mortgage, consumer lending, personal banking, or related financial services roles supporting customers directly. Must physically reside within 60 miles of the office. Experience handling complex customer communications verbally and in writing, including escalations and issue resolution. Experience reviewing borrower documentation such as tax forms, financial statements, and credit-related information within a lending process. Preferred Qualifications Experience supporting HELOC, mortgage, or other home lending products. Knowledge of mortgage laws, regulations, and compliance requirements. Ability to balance strong customer service with operational precision in a high-volume environment. Experience identifying workflow improvement opportunities and helping implement scalable solutions. Experience working effectively in a fast-paced, high-growth environment with changing priorities. High school diploma or GED. Position location: This role is based in either Columbus, Ohio or Burlingame, California in a hybrid working model. Candidates MUST physically reside within 60 miles of the office to be eligible for this role. In-Office requirements: You will be required to work from the office 1-2 days per week for this role and you must physically reside within 60 miles of the office to be eligible for this role. This role is NOT offered fully remote. Time zone requirements: The team operates on East/West coast time zones. Travel requirements The majority of your work can be accomplished in your local office. #LI-Associate At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). Columbus, OH - Anticipated Base Salary Range $28.56—$39.52 USD This is a Non-Exempt position. Employees in this position are paid an hourly pay rate, on a bi-weekly basis, and are eligible to receive overtime pay for any hours worked over 40 in a work week, or over 8 in a work day if required by state law Burlingame - Anticipated Hourly Rate Range $28.56—$39.52 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: 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!) For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy APPLY NOW! Sign up for job alerts! First Name (required) Last Name (required) Email (required) Job Alert Finalize your job alert by selecting criteria from the dropdowns below. You can select multiple options from each dropdown by returning to the combobox and re-entering the list of options. Submit at the end to create your job alert. Categories Operations Group Locations Burlingame, California, United StatesColumbus, Ohio, United States SUBMIT Similar Jobs Home Lending Underwriter Senior Loan Processor Senior Collections Specialist Current Upstart employee? CLICK HERE Ready to Apply? First Name (required) Last Name (required) Phone Number (required) Email (required) Resume (required) Accepted formats: PDF, DOC, DOCX, RTF, ODT, XML, DOT, PNG, GIF, JPG, JPEG, ZIP Confirm that you physically reside within 60 miles of either the Burlingame CA or Columbus OH office. This is a must have requirement for this role. (required) No Yes What is your current location? NOTE: This is a HYBRID position that requires working onsite 1–2 days per week in either our Columbus, OH or Burlingame, CA office. (required) Also confirm that you understand this position is HYBRID and requires 1-2 days per week in either the Columbus, OH or Burlingame, CA office and that you are willing and able to make this work on a consistent basis. (required) No Yes Do you have an Active Active NMLS / Mortgage Loan Originator License / do you meet the other below requirements for this license: 1) Have passed the SAFE Mortgage Loan Originator (MLO) Test (National Test Component with Uniform State Content). 2) Hold an active Mortgage Loan Originator (MLO) license in at least one U.S. state through NMLS. The specific state(s) do not matter. 3) Have an NMLS ID with at least one active state MLO license reflected in their NMLS Consumer Access record (required) No Yes LinkedIn Profile (required) Do you need, or will you need in the future, any immigration-related support or sponsorship from the Company in order to begin or continue employment with the Company? This includes support (such as J-1, F-1 CPT letter or STEM OPT Training Plan), visa sponsorship for employment (H-1B, H-1B1, E-3, O-1, or TN), and any EAD holders that will need longer term employment authorization (temporary work visa or permanent residency). 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We are a federal contractor or subcontractor. The law requires us to provide equal employment opportunity to qualified people with disabilities. We have a goal of having at least 7% of our workers as people with disabilities. The law says we must measure our progress towards this goal. To do this, we must ask applicants and employees if they have a disability or have ever had one. People can become disabled, so we need to ask this question at least every five years. Completing this form is voluntary, and we hope that you will choose to do so. Your answer is confidential. No one who makes hiring decisions will see it. Your decision to complete the form and your answer will not harm you in any way. If you want to learn more about the law or this form, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp. How do you know if you have a disability? A disability is a condition that substantially limits one or more of your “major life activities.” If you have or have ever had such a condition, you are a person with a disability. Disabilities include, but are not limited to: Alcohol or other substance use disorder (not currently using drugs illegally) Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, HIV/AIDS Blind or low vision Cancer (past or present) Cardiovascular or heart disease Celiac disease Cerebral palsy Deaf or serious difficulty hearing Diabetes Disfigurement, for example, disfigurement caused by burns, wounds, accidents, or congenital disorders Epilepsy or other seizure disorder Gastrointestinal disorders, for example, Crohn's Disease, irritable bowel syndrome Intellectual or developmental disability Mental health conditions, for example, depression, bipolar disorder, anxiety disorder, schizophrenia, PTSD Missing limbs or partially missing limbs Mobility impairment, benefiting from the use of a wheelchair, scooter, walker, leg brace(s) and/or other supports Nervous system condition, for example, migraine headaches, Parkinson’s disease, multiple sclerosis (MS) Neurodivergence, for example, attention-deficit/hyperactivity disorder (ADHD), autism spectrum disorder, dyslexia, dyspraxia, other learning disabilities Partial or complete paralysis (any cause) Pulmonary or respiratory conditions, for example, tuberculosis, asthma, emphysema Short stature (dwarfism) Traumatic brain injury Disability Status (required) I do not want to answer No, I do not have a disability and have not had one in the past Yes, I have a disability, or have had one in the past If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection. As a government contractor subject to the Vietnam Era Veterans' Readjustment Assistance Act (VEVRAA), we request this information in order to measure the effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categories is as follows: A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability. A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service. 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Any information that you do provide will be recorded and maintained in a confidential file. As set forth in Upstart’s Equal Employment Opportunity policy, we do not discriminate on the basis of any protected group status under any applicable law. Race (required) Decline To Self Identify Two or More Races Native Hawaiian or Other Pacific Islander White Hispanic or Latino Black or African American Asian American Indian or Alaskan Native Gender (required) Decline To Self Identify Female Male PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete. 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