Mortgage Lock Desk Analyst - Data-Driven, Collaborative

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

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.