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Upstart Logo Upstart · Finance

Senior HELOC Underwriter, Specialized Credit Decisioning & Strategy

United States 75900.00 - 105000.00 USD / Year · Job Posted January 24, 2026
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Job Description

The Specialized Credit Decisioning & Strategy team partners closely with Home Lending Underwriting, Processing Operations, and Closing to resolve complex HELOC scenarios that fall outside standard decision paths. This function provides second-level credit decision support, applies documented exception authority, and drives fast, defensible resolutions for time-sensitive escalations. The team also plays a key role in improving operational consistency by partnering with Credit Policy, Quality, Legal & Compliance, and Closing/Title to ensure exception decisions are executable through clear-to-close and funding.

Job Responsibility

  • 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

Requirements

  • 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)

Nice to have

  • 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

What we offer

  • Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
  • Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
  • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
  • Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
  • Health Savings Account contributions from Upstart for eligible plans
  • Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
  • Paid time off, sick and safe time, and company holidays
  • Paid family and parental leave to support caregiving and major life moments
  • Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
  • 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
  • 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 and onsites, all-company updates, and employee resource groups (ERGs)
  • Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices
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