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Lock Desk Analyst I Jobs in Michigan (NOW HIRING)

AD Mortgage

Lock Desk Specialist

Troy, MI

About this opportunity The Lock Desk Specialist is responsible for managing the daily interest rate ... Analytical Skills : Excellent attention to detail, strong organizational skills, and the ability to ...

Avcend

Business Process Analyst I

Detroit, MI · On-site

$60K - $81K/yr

Ensure all desk policies and procedures are current, accurate, and properly maintained. * Perform other related duties as assigned. Type of prior related experience: * College degree in business or a ...

glwa

Infrastructure Administrator

Detroit, MI · On-site

... Desk Analyst, IT Systems or Network Administrator; or combination of related work experience and education * Possess a technology-specific entry level certification (i.e. Comp TIA Networking ...

glwa

Infrastructure Administrator

Detroit, MI

... Desk Analyst, IT Systems or Network Administrator; or combination of related work experience and education * Possess a technology-specific entry level certification (i.e. Comp TIA Networking ...

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All JobsLock Desk Analyst I JobsLock Desk Analyst I Jobs in Michigan

Lock Desk Analyst I information

What does a Lock Desk Analyst I do?

A Lock Desk Analyst I is responsible for managing and processing mortgage rate lock requests submitted by loan officers or brokers. They ensure that mortgage rates and terms are accurately locked in according to company policies and investor guidelines. Their duties include verifying lock information, maintaining detailed records, and communicating with internal and external stakeholders about lock status, extensions, and changes. They play a critical role in ensuring timely and accurate rate locks, which impact both the customer experience and the financial stability of a mortgage lender.

What are the key skills and qualifications needed to thrive as a Lock Desk Analyst I, and why are they important?

To thrive as a Lock Desk Analyst I, you need a solid understanding of mortgage processes, loan products, and secondary market guidelines, typically supported by a background in finance or banking. Familiarity with loan origination systems (LOS), pricing engines, and mortgage pipeline management tools is essential. Attention to detail, strong analytical skills, and effective communication are standout soft skills for this role. These abilities ensure accurate rate lock management, minimize risk, and support smooth loan processing in a fast-paced mortgage environment.

What are some typical challenges a Lock Desk Analyst I might encounter in their role?

Lock Desk Analyst I professionals often face challenges related to managing high volumes of rate lock requests with tight deadlines. They must maintain strong attention to detail to ensure data accuracy and compliance with lending guidelines, as errors can impact loan pricing or processing. Additionally, effective communication with loan officers and underwriters is crucial, as analysts frequently address questions and resolve discrepancies under time pressure. Adapting to frequent policy updates and utilizing specialized loan origination software are also common aspects of the role.

What is the difference between Lock Desk Analyst I vs Loan Processor?

AspectLock Desk Analyst ILoan Processor
CredentialsTypically requires a high school diploma or equivalent; some roles prefer mortgage or finance certificationsHigh school diploma or equivalent; some roles benefit from mortgage or financial certifications
Work EnvironmentMortgage lending departments, financial institutions, or mortgage brokersMortgage companies, banks, or credit unions processing loan applications
Primary ResponsibilitiesManaging interest rate locks, monitoring lock periods, and communicating with lenders and borrowersGathering borrower information, verifying documents, and preparing loan files for approval

The main difference is that Lock Desk Analyst I focuses on managing interest rate locks and monitoring lock periods, while Loan Processors handle the overall loan application process. Both roles are essential in mortgage lending but serve different functions within the loan lifecycle.

What are popular job titles related to Lock Desk Analyst I jobs in Michigan?

For Lock Desk Analyst I jobs in Michigan, the most frequently searched job titles are:

What job categories do people searching Lock Desk Analyst I jobs in Michigan look for?

The top searched job categories for Lock Desk Analyst I jobs in Michigan are:

Lock Desk Analyst I jobs near you
Infographic showing various Lock Desk Analyst I job openings in Michigan as of August 2026, with employment types broken down into 75% Full Time, 18% Part Time, 3% Temporary, 3% Contract, and 1% Nights. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution.

Lock Desk Specialist

AD Mortgage

Troy, MI

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 18 days ago

Job description

About this opportunity

The Lock Desk Specialist is responsible for managing the daily interest rate lock process for all mortgage loan channels (e.g., Retail, Correspondent, Wholesale). This role ensures the accurate, timely, and compliant locking of interest rates to mitigate risk and maximize profitability for the company, serving as a critical liaison between the Capital Markets team, Sales team, Loan Officers and Operations staff.

Key ResponsibilitiesRate Lock Management:

  • Process, review and execute rate lock requests, relocks, extensions and modifications accurately and efficiently in the loan origination system.

  • Ensure all rate locks adhere to company policies, investor guidelines and regulatory requirements.

Pricing and Communication:

  • Verify and confirm loan pricing, ensuring accurate loan-level price adjustments and other fees are applied.

  • Act as the primary point of contact for Loan Officers, Processors and Underwriters for all rate lock and pricing inquiries, providing excellent client service.

Data Integrity and Reporting:

  • Work closely with the rate sheet pricing team to ensure that loans are priced correctly in the loan origination system and physical rate sheets.

  • Maintain and update lock desk procedures and guidelines. Ensure all activities are in compliance with regulatory requirements and internal risk management policies.

  • Run quality control of the lock pipeline to ensure no data inconsistencies, potential errors, and if found work, with the appropriate parties to resolve them promptly.

  • Ensure compliance with all agency and investor guidelines, policies, and procedures related to loan sales and securitization.

Location and Schedule

  • This is a full-time, office-based position in a modern, cozy environment in our office in Troy, Michigan.

  • Our standard working hours are Monday to Friday, 10:00 AM to 7:00 PM, promoting a healthy work-life balance.

Skills & Qualifications

  • Experience: 1-3 years of experience in the mortgage industry, specifically within a Lock Desk, Secondary Marketing, or Capital Markets function is preferred.

  • Communication: Exceptional written and verbal communication skills, including phone calls, with the ability to clearly and concisely explain complex pricing and policy issues.

  • Knowledge: Strong understanding and appreciation of mathematical concepts.

  • Analytical Skills: Excellent attention to detail, strong organizational skills, and the ability to work accurately and efficiently under pressure in a high-volume, deadline-driven environment.

What We Offer | Career and Culture

  • Company Culture: Inclusive, supportive company culture where you are not a number, but a voice that's heard and brings value.

  • Growth Path: Defined paid training and clear pathways for career development.

  • Benefits: Comprehensive benefits package including PTO, sick days, paid volunteer hours, medical, dental, vision insurance, and 401(k).

    Take the first step towards a rewarding career in the mortgage industry with AD Mortgage.

    Our Recruitment team will reach out to you shortly!

Connect with us: Explore our social media to get a sense of our corporate culture.

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We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, sexual orientation, age, marital status, veteran status, or disability status.

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform crucial job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.