Lock Desk Analyst

The Role

Lock Desk Specialist – responsible for ensuring SoFi company policies and procedures related to rate locks are accurate and meet loan pricing compliance standards. The role requires meticulous attention to detail, strong organizational skills, and the ability to work independently in a fast‑paced environment. Experience in the mortgage industry and proficiency in relevant software are essential. This position follows a hybrid work model and requires in‑office attendance 2 days per week.

• Enforce Lock Desk policy and procedures.
• Assist loan officers with rate lock maintenance, loan re‑prices, and general Lock operations.
• Monitor and track best‑effort rate locks with investors.
• Confirm loan pricing accuracy and profitability.
• Conduct systematic data entry for all interest rate lock requests and re‑prices.
• Act as the main point of contact for escalation scenarios.
• Process Change of Circumstances, Loan Concessions, Lock Scrubs, and Lock Extensions.
• Monitor various shared email inboxes and perform work within SLA.
• Act as a primary point of contact with the Loan Setup Client Experience Team to ensure loan terms are compliant.
• Ensure the accuracy of fees; create a file structure for outbound disclosures.
• Monitor robotics outcome reports and scrub loans that fail to queue back up for automation or work manually.
• Coach, train, and educate teammates who are newly onboarded.

• A four‑year college degree in Finance, Economics, or another related field (preferred).
• 2+ years in the mortgage industry (preferred).
• 2+ years of Encompass experience.
• 2+ years of Optimal Blue experience.
• Microsoft Excel proficiency.
• General knowledge of financial markets.
• Knowledge of TRID guidelines.
• Ability to work quickly, accurately, and independently in a very fast‑paced environment.
• Comfortable working under a high level of confidentiality.
• Detail‑oriented and strong time management / organizational skills.

The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location. To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page.

SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.

The Company hires the best qualified candidate for the job, without regard to protected characteristics. Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

New York applicants:
Notice of Employee Rights - SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email

Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.