Lock Desk Analyst

MDC Holdings, Inc.; Denver (CO); On-site; USD 71,000 - 87,000; Full time

Benefits offered by this job

Health insurance

401(k) retirement plan

Paid time off

Employee assistance program

Job summary

Sekisui House U.S., Inc. seeks a Lock Desk Analyst in Denver to manage rate lock requests, validate pricing, and ensure compliance with investor guidelines. The role supports timely lock transactions and data integrity across pricing systems.

Responsibilities include monitoring expirations, communicating updates to Loan Officers and Processors, and assisting with routine inquiries while mentoring junior staff in lock desk processes.

Qualifications

• Bachelor's degree or equivalent combination of education and experience.
• Minimum of 2 years of relevant experience, or equivalent (e.g., 6-8 years).
• Experience in secondary marketing, lock desk operations, mortgage pricing, or related consumer lending functions.
• Working knowledge of mortgage rate locks, pricing adjustments, and secondary market processes.

Responsibilities

• Process rate lock requests, ensuring accuracy and compliance with pricing guidelines, investor requirements, and internal policies.
• Verify loan pricing, lock terms, and system data to ensure alignment with approved programs and market conditions.
• Assist in resolving lock or pricing discrepancies by analyzing data, reviewing system inputs, and coordinating with internal partners.
• Monitor lock expirations, extensions, and changes to ensure timely updates and adherence to established procedures.
• Communicate lock confirmations, pricing details, and status updates to Loan Officers, Processors, and internal stakeholders.
• Maintain accurate records and documentation for all lock desk activities.
• Support daily pricing updates, including importing and validating rate sheets or pricing feeds as assigned.
• Identify recurring issues and elevate trends or concerns to leadership for further review.
• Provide guidance to entry-level team members regarding lock desk processes and resources.
• Contribute to a collaborative, service-focused environment within Secondary Marketing.

Skills

Mortgage pricing

Secondary marketing

Data analysis

LOS platforms

Pricing engines

Education

Bachelor's degree or equivalent

Tools

LOS platforms

Pricing engines

Spreadsheets

Reporting tools

Job description

Lock Desk Analyst

Job Location: US-CO-Denver

ID: 2026-8281

Category: Mortgage & Insurance Jobs

Type: Regular Full Time

Working Hours: 8:30 a.m. - 5:30 p.m. or 9:00 a.m. - 6:00 p.m. MST

Overview

BREAK GROUND ON A REWARDING CAREER WITH US!

The Sekisui House U.S. team is a proud builder of the SHAWOOD, Richmond American Homes, Woodside Homes, Holt Homes, Hubble Homes, and Chesmar Homes brands. We take great pride in being a member of Sekisui House, a global leader in homebuilding. This impressive, 60+ year old company has built over 2.6 million new homes designed to reflect and adapt to the changing needs of today's homebuyers. Drawing on Sekisui House's unparalleled history and superior service, we commit ourselves to a future where people around the world can live joyful lives in homes that are safe, secure, stylish and comfortable.

We encourage a company culture that promotes professionalism, teamwork, health & wellness and work-life balance. If you are a results-driven professional with a passion for success, consider building a career with us.

Positive Work Environment & Culture

Collaborative Team Culture: Join a supportive environment where teamwork and the open exchange of ideas are highly valued.

• Team Engagement: Participate in a variety of team-building events and social gatherings, such as company outings, holiday celebrations, and regular office socials. We support a healthy work-life balance and recognize the importance of time outside of work commitments.

Overview & Position Summary

This position supports the Secondary Marketing function by executing lock desk activities that ensure accurate rate locking, pricing validation, and adherence to investor and company guidelines. This role works closely with internal partners to support timely lock transactions, resolve pricing discrepancies, and maintain data integrity across systems. This position contributes to the team's operational performance through detailed analysis, consistent documentation practices, and effective communication. This role also assists with routine inquiries and provides guidance to less experienced team members as needed. Hours will be 8:30 a.m. - 5:30 p.m. or 9:00 a.m. - 6:00 p.m. MST.

Primary Responsibilities

• Process rate lock requests, ensuring accuracy and compliance with pricing guidelines, investor requirements, and internal policies.
• Verify loan pricing, lock terms, and system data to ensure alignment with approved programs and market conditions.
• Assist in resolving lock or pricing discrepancies by analyzing data, reviewing system inputs, and coordinating with internal partners.
• Monitor lock expirations, extensions, and changes to ensure timely updates and adherence to established procedures.
• Communicate lock confirmations, pricing details, and status updates to Loan Officers, Processors, and internal stakeholders.
• Maintain accurate records and documentation for all lock desk activities.
• Support daily pricing updates, including importing and validating rate sheets or pricing feeds as assigned.
• Identify recurring issues and elevate trends or concerns to leadership for further review.
• Provide guidance to entry-level team members regarding lock desk processes and resources.
• Contribute to a collaborative, service-focused environment within Secondary Marketing.

Education & Experience

Required:

• Bachelor's degree or equivalent combination of education and experience
• Minimum of 2 years of relevant experience, or equivalent (e.g., 6-8 years)
• Experience in secondary marketing, lock desk operations, mortgage pricing, or related consumer lending functions
• Working knowledge of mortgage rate locks, pricing adjustments, and secondary market processes

Preferred:

• Experience within a lock desk, pricing, or secondary marketing function.
• Familiarity with investor guidelines, loan programs, and mortgage pricing concepts.
• Experience with rate lock systems and loan origination platforms.

Skills & Competencies

• Broad knowledge of mortgage pricing, loan programs, and secondary marketing processes.
• Strong analytical and data review skills with attention to detail.
• Ability to interpret pricing guidelines and apply program requirements accurately.
• Effective verbal and written communication skills.
• Ability to manage multiple tasks in a time-sensitive, deadline-driven environment.
• Proficiency with LOS platforms, pricing engines, spreadsheets, and reporting tools.
• Problem-solving skills for moderately difficult lock or pricing issues.
• Ability to collaborate effectively with cross-functional teams.
• Strong organizational and documentation skills.
• Commitment to accuracy, compliance, and service quality.

Working Conditions

Work is performed in a general office or remote-office environment using computers, pricing engines, LOS systems, and communication tools. Workload may vary based on market volatility, rate changes, and lending volume. Limited travel may be required for meetings, training, or team activities.

Physical Requirements

• Ability to sit for extended periods while reviewing pricing data and processing lock requests.
• Frequent use of computers, spreadsheets, and communication platforms.
• Ability to lift and carry light materials such as reports or office supplies.
• Ability to move within office environments for collaboration or meetings.
• Ability to maintain focus during detailed pricing or data verification tasks.

Compensation

• Base Salary: $70,500-$87,000
• FLSA Status: Non-Exempt
• Bonus Type: Year-end Discretionary

Comprehensive Benefits Package

We offer a comprehensive benefits package designed to meet the diverse needs of our employees and their families:

• Competitive Compensation: We provide a competitive compensation structure that rewards performance and results.
• Health & Wellness: Comprehensive coverage includes medical, dental, and vision insurance options, as well as Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA).
• Financial Future: Access a 401(k) retirement savings plan.
• Time Off: Our time-off benefits include vacation, sick leave, paid holidays, and other leave types (bereavement, jury duty, FMLA, military leave).
• Insurance & Protection: Company-provided life insurance, accidental death and dismemberment (AD&D) insurance, and short- and long-term disability coverage are included. An employee assistance program (EAP) is also available.
• Exclusive Perks & Discounts
• Homeownership & Financing: Take advantage of exclusive home purchase and financing discounts.
• Pet Insurance: Enjoy discounted group pet insurance rates.

If you are ready for more than a job and seek a career with one of the most respected organizations in the industry, we encourage you to connect with us. Please visit our website at www.richmondamerican.com for additional information.

Sekisui House U.S., Inc. is an Equal Opportunity Employer.