Lock Desk Analyst (India)

Homeward; India; Remote; INR 6,323,396 - 8,130,081; Full time

Job summary

A remote-first real estate startup is seeking a Lock Desk Specialist to manage loan file registrations and oversee lock requests efficiently. The ideal candidate will have over 3 years of experience within the U.S. mortgage sector and a strong understanding of FNMA and FHLMC guidelines. This role involves monitoring lock expiration, ensuring accurate pricing, and collaborating cross-functionally to improve operational processes. Join a diverse team dedicated to transforming homebuying experiences.

Qualifications

• 3+ years of hands-on Lock Desk experience within the U.S. mortgage industry.
• Demonstrated experience trading and delivering loans through FNMA and FHLMC.
• Proven ability to thrive in a fast-paced, high-volume production environment.

Responsibilities

• Review and manage loan file registration and lock requests.
• Monitor lock expiration dates and pricing accuracy.
• Prepare loan files for delivery to Investors.

Skills

Lock Desk experience

Loan pricing knowledge

Excellent communication skills

Attention to detail

Team-oriented mindset

Tools

LendingPad

Optimal Blue

Job description

About Homeward

Homeward takes the “what ifs” out of homebuying by creating financial products that give buyers and sellers certainty and convenience. We’re a fast-paced, remote-first real estate startup that partners with real estate agents to offer innovative products and services, helping clients buy with cash, sell with certainty, and time their move, regardless of the market. We’re a fully remote company with a diverse team spread across several countries, grounded in three core values: The Golden Rule, One Team One Dream, and Calm Focus.

The Opportunity

The Homeward Mortgage Team is responsible for conducting the financial review and approval of every customer that works with Homeward. We’re focused on bringing financial innovations to life and delivering a seamlessly integrated mortgage experience. We are the newest team at Homeward and are looking for subject matter experts and business people with an entrepreneur's mindset and ability to get stuff done. You’ll ensure customers move quickly and efficiently through the mortgage transaction, ensuring all important dates are met. Your role is to deliver a seamless approval and closing experience to every Homeward customer. This position will challenge your ability to manage complex operational processes while working cross-functionally with product, engineering, and customer experience teams.

What You’ll Do

• Review, execute and manage loan file registration and lock requests with appropriate investors
  • Perform lock desk functions including:
  • FNMA and FHLMC Cash window trading and delivery
  • Whole loan locks with delegated and non-delegate Investors
  • Managing lock confirmations, changes, reprices, and extensions
• Monitor lock expiration dates, pricing accuracy, and investor eligibility
• Process lock change requests, reprice requests, and lock extensions in a timely and accurate manner
• Serve as a subject matter expert for lock desk operations and investor guidelines
• Handle Servicing responsibilities like payoff requests, loan boarding, release of lien processing, customer/title inquiries calls/notifications, and other servicing functions
• Prepare loan files for delivery to Investor and clear purchase conditions from Investors
• Assist in review and preparation of PCCDs
• Proactively identify issues and partner with internal teams to resolve them efficiently
• Take ownership of operational improvements, process documentation, and special projects
• Maintain strong communication with internal stakeholders to ensure transparency and alignment
• Perform other duties as assigned

About You

• 3+ years of hands-on Lock Desk experience within the U.S. mortgage industry
• Direct experience as a Fannie Mae and Freddie Mac Direct Seller
• Demonstrated experience trading and delivering loans through the FNMA and FHLMC Cash Window
• Strong understanding of mortgage industry concepts, loan pricing, investor guidelines, and mortgage loan documentation
• Experience using LendingPad and Optimal Blue strongly preferred
• Proven ability to thrive in a fast-paced, high-volume production environment
• Highly organized with strong attention to detail and excellent communication skills
• Self-starter with the ability to work independently and lead initiatives when needed
• Team-oriented mindset with the ability to collaborate cross-functionally

Value-Driven Employee Experience

THE GOLDEN RULE. It’s simple: Treat others the way we want to be treated. Whether we’re dealing with colleagues or customers, we don’t prioritize money or growth over people, and we practice empathy at every opportunity.

CALM FOCUS. We work in tech and build solutions for real estate. Both are fast-paced and stressful industries. But by focusing on the larger objective rather than rushing from one task to the next, we can create solutions our customers love.

ONE TEAM, ONE DREAM. Big problems require big solutions. We look at our customers’ experiences holistically and recognize that solving them requires collaboration across teams and our three affiliate companies — Homeward, Homeward Mortgage and Homeward Title.

Seniority level

• Mid-Senior level

Employment type

• Full-time

Job function

• Business Development and Sales

Industries

• Construction, Software Development, and IT Services and IT Consulting