Mortgage Recording Specialist

About Upstart

Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload.

Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.

Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we'd love to hear from you

The Team:

As part of Upstart's Home Lending Operations, the Post Closing team ensures a seamless and compliant experience for our home equity line of credit borrowers after closing. We focus on executing high-quality, time-sensitive operational processes that directly impact the accuracy and integrity of loan documentation and servicing workflows. As a Mortgage Recording Specialist, you'll be part of a collaborative team that works closely with internal stakeholders and external partners to uphold loan servicing standards and drive operational excellence.

As the Mortgage Recording Specialist at Upstart, you will manage the accurate and timely recording of HELOC loan documents, a critical step in ensuring compliant and efficient loan servicing. This role prepares, reviews, and submits RON and mail-in packages for county recording, verifies post-recording data, and updates internal systems with precision. By maintaining high standards of documentation quality and proactively resolving issues, the Mortgage Recording Specialist helps safeguard the integrity of our servicing operations.

How you'll make an impact

• Ensure complete and accurate review of signed HELOC documentation packages prior to recording.
• Confirm all elements of mail-in packages (mortgage/deed, physical check, return materials, FedEx labels) are properly assembled and addressed.
• Prepare electronic and mail-in recording documents for submission, validating county-specific requirements, riders, and appropriate payment methods
• Monitor Simplifile to ensure recording statuses transition to final confirmed state by county.
• Validate post-recording documentation, including recording stamps, dates, book/page/instrument numbers, and update internal systems accordingly.
• Upload recorded instruments to Vesta and ensure all notes and metadata are accurately reflected across systems
• Serve as a point of quality control to guarantee documentation compliance and operational accuracy during the post-closing process
• Remediate and cure any rejected recording documents from counties as needed.

Minimum Qualifications

• Experience in home lending loan processing or mortgage servicing
• Understanding of end-to-end HELOC loan origination processes
• Excellent analytical, organizational, and communication skills
• High attention to detail and comfort working with data in operational environments
• High School Diploma or GED
• Ability to work standard hours (9 AM - 5:30 PM EST)
• Proficiency with loan origination systems and general productivity software.
• Reside within 60 miles of Columbus, OH, and be able to work from the office at least two days per week.

Preferred Qualifications

• Previous post closing / recording or servicing mortgage experience.
• Ability to work effectively with limited direct guidance on routine activities
• Strong organizational and time management skills with the ability to prioritize tasks effectively
• Comfortable operating in a fast-paced, ambiguity-prone environment
• Demonstrated ability to take ownership of issues and drive resolution with patience and efficiency

Position location This role is available in the following locations: Columbus, Ohio

Time zone requirements The team operates on the East coast time zones.

In-Office requirements. You will be required to work from the Columbus, Ohio office 2 days per week (must be within a 60 mile radius). Depending on business needs, agents may be asked to work from the office more often.

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions' cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

What you'll love:

• Competitive Compensation (base + bonus & equity)
• 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

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.

Columbus, OH - Anticipated Hourly Rate Range

$25.48-$25.48 USD

Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.

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

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