Jr Lock Desk Analyst - Corporate - Scottsdale, AZ

Description

Are you an independent, self-starting, team player with a positive attitude? Are you passionate about giving back to your community? Do you want to work for a company that we like to think as the “happiest place in mortgage” and has been voted a “Best Place to Work” for the last 17 years? Join our family at Homeowners Financial Group and you can take advantage of our great benefits.

• Award-Winning Company Culture
• Employee volunteer opportunities
• 10 paid holidays
• Generous paid time off policy
• United Healthcare Benefits including medical, Delta dental and vision, life, and disability
• Ancillary Benefits include:
  Mutual of Omaha, Met Law Legal Plan, Pet Benefit Solutions
• 401k with discretionary match
• Employee tenure program
• President's Club eligibility for both Sales and Operations staff

Who We Are: Homeowners Financial Group has over 300 employees in 41 offices across the country and has helped tens of thousands of homeowners realize home ownership. We are not your typical mortgage company: we foster a “family” environment, we give back to the community through dozens of charities and we love what we do!

Who We Want: We want a Junior Lock Desk Analyst that reports to the Director of Capital Markets and supports Licensed Mortgage Professionals and the Director of Capital Markets with rate lock, pricing, loan data, reporting, and pipeline activities while developing a working knowledge of mortgage origination and the Secondary Market. The Jr Lock Desk Analyst is an entry-level, career-track opportunity for someone who enjoys numbers, works hard, and wants to learn the mortgage industry from the ground up.

Prior mortgage experience is not required. Mortgage knowledge can be learned; the foundation we are seeking is strong math aptitude, a disciplined work ethic, exceptional attention to detail, coachability, and the ambition to become a trusted Lock Desk professional.

• This position will work from our Corporate office full-time 5 days per week, Monday - Friday
• Learns and follows Homeowners rate lock, pricing, investor, and service-level procedures
• Reviews new rate lock requests for completeness and accuracy; identifies missing or inconsistent information and escalates exceptions as needed
• Processes rate locks, extensions, relocks, renegotiations, and loan changes accurately and within posted time frames, with training and oversight
• Verifies loan amount, rate, term, pricing, adjustments, fees, lock period, expiration date, and investor information before and after lock activity
• Enters and maintains accurate lock and investor registration data in the corporate Loan Origination System (LOS), pricing engine, and investor portals
• Monitors lock queues, confirmations, and delivery expiration dates; assists with extensions and follow-up to help keep loans covered through purchase
• Responds promptly and professionally to routine product, pricing, and lock-status questions from LMPs and Operations; researches issues and escalates complex scenarios
• Runs and reviews daily lock, expiration, pipeline, and reconciliation reports; compares data across systems and assists with correcting discrepancies
• Supports Accounting and Post Closing by verifying fees, rates, adjustments, investor purchase information, and final pricing
• Communicates and collaborates daily with LMPs, Operations, Accounting, Underwriting, Processing, Post Closing, and Capital Markets
• Participates in Homeowners internal meetings and required trainings
• Maintains a professional image and demonstrates an understanding of and follows all Homeowners Policies and Procedures
• Other duties as assigned

• High School Diploma or equivalent required
• Mortgage industry experience is not required; experience in a detail-oriented office, finance, banking, accounting, customer service, data-entry, or operations environment is helpful but not required
• Strong math and numerical reasoning aptitude required, including comfort with percentages, decimals, and basic financial calculations
• Ability to compare data, reconcile differences, spot discrepancies, and keep working until the numbers make…