Lock Desk Specialist

Description: **Job Description** Department/Branch: Pricing/Corporate Operations Reports to: Senior Vice President – Capital Markets FLSA Status: Non\-Exempt Work Schedule: Full\-time Locations: Remote **POSITION SUMMARY DESCRIPTION** Deliver accurate, timely pricing to Loan Officers, Processors, Closers, and the Disclosure Desk to support compliance with investor guidelines and customer satisfaction. **Primary objectives** Deliver **accurate, timely loan pricing** aligned with investor guidelines and company policy Execute and manage **all rate lock activities** (locks, changes, extensions, relocks) with precision Maintain **lock pipeline integrity**, proactively resolving data issues and discrepancies Ensure **compliance** with regulatory requirements and investor eligibility standards **Identify and resolve pricing and lock exceptions** to minimize risk and ensure salability Provide **responsive guidance and service** to Loan Officers and operations partners Support **loan structuring and secondary market execution** through proper setup and pricing accuracy Requirements: **Responsibilities** 1\. Produce and distribute a high volume of Lock Confirmations to appropriate person(s). Execute new Lock Requests and monitor new lock pipeline for missing data and notify LOs. Execute lock revisions, extensions, locks and re\-locks, including, but not limited to loan parameter changes, extensions, relocks and rate renegotiations. 2\. Appropriately cancel locks as directed by the Loan Team. Analyze and resolve operational issues with rate lock mismatches. Analyze and resolve operational issues with rate lock mismatches. 3\. Execute Lock Requests and inquiries daily via e\-mail and the ticketing system. 4\. Participate in internal report review, provide accurate analysis, helps identify and addresses any pipeline issues. 5\. Work as a team with sales, processing, underwriting, closing, correspondent counterparties and management. Maintain high level of customer service when processing changes submitted by loan officers or operations team members. Notifying loan officers of lock expirations. Answer pricing emails and phone inquiries promptly and professionally. Provides firm guidance relating to lock policy and procedures. 6\. Demonstrate proficiency in DAS\-specific procedures. Assist branches with ATR/QM testing and ensure loans pass Mavent testing before disclosures. Accurately code and register loans in Encompass or the designated loan origination system and apply basic guidelines and underwriting criteria when structuring loans. 7\. Perform assigned duties as directed by Lock Desk Lead. Supports and assists with other projects and reporting as necessary. 8\. Process, complete and close all tickets assigned by the team lead in an accurate timely manner. 9\. Have a thorough understanding and ability to complete all tasks assigned by the Team Lead. 10\. Complete all l