Licensed Loan Advisor

• 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.

• 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).

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

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