# Senior Home Lending Underwriter

**Company:** [Upstart](https://hotfix.jobs/companies/upstart)
**Location:** Columbus, OH
**Role:** Finance & Accounting
**Salary:** $79k – $109k/yr
**Experience:** 5+ years
**Skills:** Loan Origination System, Los, Excel, Google Sheets, Fraud Detection, Income Validation, Asset Assessment, Heloc Underwriting, Mortgage Compliance, Credit Policy, Documentation Skills
**Posted:** 2026-04-17

> Senior Home Lending Underwriter evaluates loan applications, validates borrower income/assets, identifies fraud risks, and ensures compliant, accurate decisions partnering with Loan Advisors to originate high-quality HELOC loans. Requires 5+ years mortgage underwriting experience.

## Job Description

## How you'll make an impact
- **Approval & decline accuracy**: Ensure all approval and decline decisions are well-supported, clearly documented, and consistent with credit policy and regulatory expectations.
- **Income & asset validation**: Accurately calculate and validate borrower income (W-2, self-employed, variable income, rental, etc.) and assess assets to determine repayment ability.
- **Fraud risk identification**: Review applications for potential fraud indicators (income misrepresentation, occupancy concerns, document inconsistencies, identity risk) and take appropriate action in alignment with fraud protocols.
- **Documentation & compliance**: Maintain complete, audit-ready loan files with clear rationale, supporting documentation, and decision notes.
- **Operational consistency**: Apply underwriting guidelines consistently and contribute to maintaining quality and reducing defects across the underwriting process.

## Minimum Qualifications
- 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

## Preferred Qualifications
- Experience with HELOC-specific underwriting guidelines and second lien products
- Familiarity with fraud detection tools, red flag identification, and investigation workflows
- Experience in high-volume underwriting environments with SLA expectations
- Proficiency with Excel/Sheets for income calculation and loan analysis
- Familiarity with compliance and regulatory requirements related to mortgage underwriting

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