Senior Home Lending Underwriter

Upstart

Senior Home Lending Underwriter evaluating loan applications for Upstart. Responsible for ensuring accuracy and compliance with underwriting policies in loan decision-making.

Posted 6/24/2026full-timeRemote • 🇺🇸 United StatesSenior💰 $79,000 - $109,200 per yearWebsite

About the role

Key responsibilities & impact

Ensure all approval and decline decisions are well-supported, clearly documented, and consistent with credit policy and regulatory expectations.
Accurately calculate and validate borrower income (W-2, self-employed, variable income, rental, etc.) and assess assets to determine repayment ability.
Review applications for potential fraud indicators (income misrepresentation, occupancy concerns, document inconsistencies, identity risk) and take appropriate action in alignment with fraud protocols.
Maintain complete, audit-ready loan files with clear rationale, supporting documentation, and decision notes.
Apply underwriting guidelines consistently and contribute to maintaining quality and reducing defects across the underwriting process.

Requirements

What you’ll need

5+ years of residential mortgage underwriting experience with independent decisioning authority
Demonstrated experience making both approval and decline decisions
Strong experience calculating income across multiple borrower profiles (W-2, self-employed, variable income, rental income, etc.)
Experience reviewing loan files for fraud risk and escalating concerns appropriately
Experience working within an LOS and reviewing full loan documentation packages
Strong documentation skills supporting credit decisions for QA/audit review

Benefits

Comp & perks

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!)

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

residential mortgage underwritingincome calculationfraud risk assessmentloan documentation reviewdecision documentationcredit policy complianceunderwriting guidelines applicationaudit-ready file maintenanceindependent decisioningquality assurance

Soft Skills

attention to detailanalytical thinkingcommunicationproblem-solvingorganizational skills