Lock Desk Analyst
Job in
Irvine, Orange County, California, 92713, USA
Listed on 2026-08-16
Listing for:
Jobtailor
Full Time
position Listed on 2026-08-16
Job specializations:
-
Finance & Banking
Banking Operations, Loan Servicing, Financial Services, Mortgage Loan Originator / Advisor
Job Description & How to Apply Below
- Review and process rate lock requests through lock desk email and phone, including original rate locks, floats, re-locks, extensions, and cancellations
- Monitor loan criteria changes and determine whether lock adjustments are required
- Communicate lock confirmations in a timely manner
- Re-confirm previous-day locks to ensure accurate pricing
- Commit and register loans with investors
- Monitor outstanding commitments and expiration dates
- Enforce secondary market lock policies
- Assist with duties assigned by the VP, Secondary Marketing
- Perform additional related duties as assigned to meet organizational needs
- 2+ years’ experience in a high-volume mortgage setting
- Proficiency in loan origination systems and proprietary mortgage-related software platforms
- Ability to interpret mortgage loan rate sheets, add-ons, and product guidelines
- Knowledge and responsibility for compliance with state and federal mortgage loan origination and fulfillment regulations
- Strong mathematical skills
- Working knowledge of conventional, FHA, VA, Jumbo, Non-QM, DPA, HELOC, and CES loan programs/products
- Basic proficiency in Microsoft Office, including Excel, Word, and Power Point
- Ability to work up to 50 hours per week, including some weekend hours
- Ability to work independently under minimal supervision and as part of a team
- Clear written and verbal communication skills
- Ability to work in a fast-paced, multi-tasking environment and manage multiple deadlines
- Strong problem-solving and creative-thinking skills
- Ability to learn and adapt to guideline changes
- Strong organization, follow-through, and time-management skills
- Excellent attention to detail with commitment to accuracy and quality
- Dependable, responsible, and able to use good judgment
- Bachelor’s degree preferred
- Previous experience with Byte, Optimal Blue, and/or Compass preferred
Demonstrates proficiency in loan origination systems and mortgage-related software, with a strong understanding of compliance regulations and mortgage loan products. Capable of managing high-volume rate lock requests while ensuring accuracy and timely communication.
Highest-signal resume keywords- Loan Origination Systems Proficiency
- Mortgage Compliance Knowledge
- Strong Mathematical Skills
- Attention to Detail
- Effective Communication Skills
- Rate Lock Processing
- Mortgage Loan Product Knowledge
- Mathematical Analysis
- Compliance Interpretation
- Multi-Tasking
- Deadline Management
- Problem-Solving
- Creative Thinking
- Organization
- Dependability
- Judgment
- FHA Loans
- VA Loans
- Jumbo Loans
- Non-QM Loans
- DPA
- HELOC
- CES
- Secondary Market Policies
- Microsoft Office
- Excel
- Word
- Power Point
- Byte
- Optimal Blue
- Compass
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