Closing Specialist, Home Lending

Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. The Closing Specialist will be responsible for finalizing HELOC loans, preparing and sending loan packages, and ensuring a smooth closing experience for customers. Responsibilities 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 Skills 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 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 Benefits 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 Company Overview Upstart (NASDAQ: UPST) is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. It was founded in 2012, and is headquartered in San Mateo, California, USA, with a workforce of 1001-5000 employees. Its website is Company H1B Sponsorship Upstart has a track record of offering H1B sponsorships, with 48 in 2025, 70 in 2024, 85 in 2023, 85 in 2022, 42 in 2021, 15 in 2020. Please note that this does not guarantee sponsorship for this specific role.