Lock Desk Analyst

Employment Type

: Full-Time


: Miscellaneous

Job Summary:

All Government Loan Specialists must be familiar with both FHA, VA and USDA submission requirements. Government loans require a full file audit and creation of an electronic file which includes origination and closing documentation. Document deficiencies identified during the audit process must be resolved before the loan can be insured. Specialist must be able to obtain exceptions from third parties, including internal and external parties. The essential functions for this position are listed below. 


  • Validation and confirmation of lock requests from loan originators. 
  • Responding to customer queries regarding pricing, lock rates, and programs 
  • Assuring the validity/integrity of the rate lock request 
  • Commit loans to aggregators and agencies 
  • Take out commitments for delivery of loans to an end investor. 
  • Assist with the funding and delivery of committed loans to end investor. 
  • Take direction from Secondary Marketing Manager for current MBS market conditions and to issue re-priced rate sheets and lock/unlock loans accordingly. 
  • Database management to ensure accurate information is being reported on. 
  • Validation and reconciliation of loans purchased from investors. 
  • Will work directly with executive board, Secondary Marketing Manager, all lending staff and loan originators daily. 
  • Supervisory Responsibilities

    This position has no supervisory responsibilities.


    · High School Diploma or equivalent experience. 

    · 0-2 years of related experience 

    · May require bachelor’s degree 

    · Encompass experience preferred 

    · Working knowledge of Microsoft Office products

    · Proficient in data entry and management 

    · Mortgage lending experience required; preferred in insuring government FHA, VA loans 

    · Understanding of mortgage loan documents (i.e. HUD-1, Form 1009, 92900A, Appraisals, Compliance Inspection Reports, HECM Counseling Certificate, GFE, Title Policies, Home Owner Insurance Policies, etc.) 

    · Working knowledge of Microsoft Office; e.g. Excel, Word, and Outlook (required) 

    · High School diploma or equivalent, required. 

    · Excellent written and verbal communication skills. 

    · Possess strong attention to detail, analytical and organization skills. 

    · Ability to interact effectively with third parties and team members. 

    · Take an active role in seeking continuous individual improvement; support team goals. 

    · Be available to work overtime when needed. 

    · Reliable transportation, valid driver’s license and current automotive insurance 

    · Sound judgment and decision-making skills 

    · Ability to work under pressure and meet deadlines with minimal supervision 

    · Excellent customer service skills 

    Physical/Sensory Requirements:

    · Must be able to lift 25 pounds at a time 

    · Bend, stoop and stretch as needed 

    · Prolonged periods of sitting, standing and or ambulating (Employee has some control over the length of time) 

    · Prolonged use of computers, telephone, and other standard office equipment which includes reading, writing, listening or speaking 

    · Fluency in English language (written, oral, spoken); fluency in a second language desirable

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