Jr. Lock Desk Analyst

Homeowners Financial Group USA, LLC

Phoenix (AZ)

On-site

USD 45,000 - 65,000

Full time

8 days ago

Get more replies from employers

Send a job-specific resume in minutes.

Benefits offered by this job

Award-Winning Company Culture

Employee volunteer opportunities

10 paid holidays

Generous paid time off policy

United Healthcare Benefits including医療

Ancillary Benefits include: Mutual ofO

Job summary

Homeowners Financial Group is seeking a Junior Lock Desk Analyst to support rate lock, pricing, loan data, reporting, and pipeline activities while building mortgage origination knowledge. This entry-level role reports to the Director of Capital Markets and emphasizes math aptitude, attention to detail, and coachability.

The position is based at our corporate office, full-time, Monday through Friday, with opportunities to learn and grow within the secondary mortgage market.

Qualifications

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
Excellent written and verbal communication skills

Responsibilities

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

Skills

Strong math & numerical reasoning

Excel basics

Attention to detail

Coachability

Communication skills

Education

High School Diploma or equivalent

Tools

Excel

Word

Outlook

Job description

Work for an Award Winning Company Culture!

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
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, MetLaw 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

Work for an Award Winning Company Culture!

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, MetLaw 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:

Who We Want:

Essential Duties:

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

Qualifications:

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 sense
High level of accuracy and attention to detail, especially when handling time-sensitive information
A track record of reliability, follow-through, and sustained effort in work, school, athletics, volunteer service, or other commitments
Demonstrated ambition, initiative, and willingness to learn from mistakes and take on increasingly complex work
Basic proficiency in Excel, Word, and Outlook, with the willingness and ability to develop Excel skills such as formulas, lookups, and pivot tables
Ability and desire to learn mortgage technology
Excellent written and verbal communication skills
Strong customer service skills to internal and external customers
Ability to develop positive relationships
Ability to follow written procedures consistently, protect confidential information, and ask questions when instructions or data are unclear
Coachable, self-starting team player with a positive attitude, strong sense of ownership, and the ability to work independently as training progresses
Exceptional organization and time management skills
Ability to manage multiple tasks and deadlines in a fast-paced environment
Must be able to implement written procedures
Independent, self-starting, team player with a positive attitude

Working Conditions:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. This job may require handling objects up to 10 pounds frequently and 20 pounds occasionally. While performing the duties described herein, the employee is regularly required to sit; use hands and fingers to handle or feel in addition to talking and hearing. The employee is frequently required to stand and walk. The noise level in the work environment is usually moderate. Office environment is normally climate-controlled.