Lock Desk Analyst

Position Summary:

Key Responsibilities:

The Lock Desk Analyst is responsible for executing and managing daily lock functions, change requests, and reconciliations to support accurate and timely loan delivery. This role demands a high level of organization, process discipline, and comfort with numbers. It is a remote position requiring alignment with Mountain or Pacific Time Zone hours.

• Lock new loans and process lock extensions in a timely manner.
• Process Change of Circumstance (COC) requests including rate and loan amount changes.
• Send daily lock desk update emails to stakeholders.
• Perform daily and quarterly reconciliations, including investor/brokered loan data pulls.
• Generate and deliver audit reports to internal and external stakeholders.
• Manage lock expiration timelines using Arive and Excel.
• Use Excel to create pivot tables for reporting and data analysis.
• Support compliance and accuracy by ensuring pricing, lock, and change details are aligned across systems.
• Collaborate with internal teams (LOs, processors, secondary desk, etc.) to resolve discrepancies and communicate status updates.
• Multitask across multiple systems and priorities while maintaining excellent customer service.

Required Skills & Qualifications:

• Proficiency in Microsoft Excel and Microsoft Office Suite is essential.
• Strong analytical and numerical skills; must be confident working with data.
• Ability to use Excel tools like pivot tables and VLOOKUP for sorting, filtering, and reconciling loan data.
• Exceptionally organized and process-oriented, with a strong attention to detail.
• Excellent written and verbal communication skills.
• Customer-first attitude with the ability to collaborate effectively across teams.
• Self-starter with the ability to work independently in a remote environment.
• Positive attitude and willingness to adapt to a fast-paced, evolving work environment.
• Must be able to juggle multiple priorities while maintaining accuracy.

Bonus Skills (Preferred but not required):

• Experience working in capital markets or a lock desk function.
• Background in mortgage lending or secondary markets.
• Exposure to brokered loan pipelines and investor reporting.
• Prior experience with reconciliations, reporting, or audit preparation is highly preferred.
• Familiarity with loan origination systems, especially Arive, is a plus.