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Lock Desk Analyst Jobs in Texas (NOW HIRING)

AMPLIFY CREDIT UNION

Mortgage Sales Coordinator

Austin, TX · On-site

$24.03 - $28.84/hr

... analytics. * Collaborate with Marketing to produce monthly MLO newsletters, follow-up ... Provide backup assistance to the lock desk as needed. Education and/or Experience Bachelor's degree ...

BSI Financial

Loan Technician

Irving, TX · On-site

$38K - $52K/yr

Information may be contractual, loan (rate term, loan type, interest rate lock, mortgage fee, etc ... Strong analytical skills and mathematical fluency * Excellent oral and written communication skills

BSI Financial Services

Loan Technician

Irving, TX · On-site

$36K - $50K/yr

Information may be contractual, loan (rate term, loan type, interest rate lock, mortgage fee, etc ... Strong analytical skills and mathematical fluency * Excellent oral and written communication skills

NEOGOV

System Support Specialist

Midland, TX · On-site

... • Analyze needs of users, formulate and implement solutions, and determine whether software ... desk when requests are out of provided job scope or unsupported. • Participate in on-call ...

Midland County

System Support Specialist

Midland, TX · On-site

$62K/yr

Key responsibilities include installing, upgrading, analyzing, troubleshooting, and repairing ... Refer users to IT help desk when requests are out of provided job scope or unsupported. Participate ...

All JobsLock Desk Analyst JobsLock Desk Analyst Jobs in Texas

Lock Desk Analyst information

See Texas salary details

$28.9K

$68.3K

$121.1K

How much do lock desk analyst jobs pay per year?

As of Sep 1, 2026, the average yearly pay for lock desk analyst in Texas is $68,254.00, according to ZipRecruiter salary data. Most workers in this role earn between $48,900.00 and $81,100.00 per year, depending on experience, location, and employer.

What is a lock desk analyst?

A Lock Desk Analyst is responsible for managing mortgage rate lock requests, ensuring accurate and timely processing of loan pricing, and mitigating financial risks for lenders. They review loan applications, confirm pricing guidelines, and communicate with loan officers and secondary market teams. Their role requires attention to detail, knowledge of mortgage lending practices, and the ability to analyze market trends to assist in securing the best loan terms for borrowers while protecting the company's financial interests.

What are the typical daily responsibilities of a lock desk analyst?

A Lock Desk Analyst is primarily responsible for managing rate lock requests, updating pricing, and ensuring compliance with internal and investor guidelines throughout the loan process. Daily tasks include reviewing incoming lock requests, communicating with loan officers about lock status or extension options, and monitoring market movements to adjust rate sheets as needed. The role often involves close collaboration with the secondary marketing team, processors, and underwriters to resolve any lock discrepancies. Staying organized and maintaining accurate records are essential to ensure timely and error-free processing, making attention to detail and clear communication vital in this position.

What are the key skills and qualifications needed to thrive as a lock desk analyst?

To thrive as a Lock Desk Analyst, you need a solid understanding of mortgage lending processes, attention to detail, and analytical skills, usually supported by experience or education in finance or banking. Familiarity with loan origination systems (LOS), pricing engines, and Excel is often required, and knowledge of secondary market guidelines is beneficial. Strong organization, effective communication, and the ability to work accurately under pressure help candidates excel in this role. These skills are critical for efficiently managing rate locks, ensuring compliance, and supporting smooth loan processing in a fast-paced environment.

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

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Lock Desk Analyst jobs near you
Infographic showing various Lock Desk Analyst job openings in Texas as of August 2026, with employment types broken down into 81% Full Time, 17% Part Time, and 2% Contract. Highlights an 89% Physical, 1% Hybrid, and 10% Remote job distribution, with an average salary of $68,254 per year, or $32.8 per hour.

Hedging & Trading Specialist - Hybrid

Benchmark Mortgage

Plano, TX • On-site

Full-time

Medical, Dental, Vision, Life, Retirement

Posted 5 days ago

Job description

Description
Hedging & Trading Specialist
Position Overview:
The Hedging & Trading Specialist is a hands-on seat on the capital markets desk with a primary focus on Non-QM loan committing and hedging support. The role prices and commits Non-QM production to investors and aggregators, tracks those commitments through delivery, and maintains the daily data and reporting that support the Company's interest rate hedge.
Ideal candidates for this position will have (1) 2-3 years of mortgage banking or financial services experience; (2) strong Excel skills; and (3) demonstrated accuracy and attention to detail working to a market-driven schedule.
Essential Functions of the Role:
  • Price and commit Non-QM loans to investors and aggregators, entering commitments accurately and confirming terms.
  • Prepare the daily hedge package for the Senior Trader, summarizing exposure by coupon and product, current position, and pipeline changes.
  • Pull and reconcile the daily loan-level pipeline across the loan origination system, pricing engine, and hedge analytics platform.
  • Build and submit bid tapes, and track bid results, fill rates, and pricing by counterparty.
  • Maintain the commitment calendar, including delivery windows, expiration/extension deadlines, and roll or pair-off exposure.
  • Track committed loans through funding, including purchase advice reconciliation and resolution of price variance, delivery, and suspense issues.
  • Enter trades as directed and reconcile dealer confirms, settlements, and pair-offs.
  • Track daily lock volume, extensions, fallout, and pull-through, and maintain the underlying assumption history.
  • Support daily rate sheet production, validating investor price changes, margin updates, and product changes.
  • Run competitor pricing comparisons, flag anomalies, and support sales and the lock desk on pricing and lock-policy questions.
  • Produce recurring daily, weekly, and month-end secondary marketing, hedge reconciliation, and P&L reports.
  • Other duties as assigned.

Classification: Full Time, Non-Exempt
Hedging & Trading Specialist
Essential Knowledge/Skills/Abilities:
  • Advanced Excel skills, including pivot tables, XLOOKUP/INDEX-MATCH, and SUMIFS, with comfort working in large data sets.
  • Demonstrated accuracy and attention to detail, particularly working to a market-driven schedule.
  • Clear, direct written and verbal communication with internal teams and external counterparties.
  • Ability to work independently and proactively surface questions rather than guess.
  • Working knowledge of fixed income, derivatives, or financial market concepts.
  • Familiarity with mortgage-backed securities, TBA mechanics, and basic hedging concepts.
  • Strong analytical and problem-solving ability.
  • Technical proficiency in SQL, Power Query, VBA, or Python.

Experience Requirements:
  • Minimum of two (2) years of professional experience in mortgage banking or financial services (lock desk, secondary marketing, post-closing, loan delivery, capital markets operations, or a comparable analytical role) required.
  • Exposure to Non-QM products (Bank Statement, DSCR, 1099, non-agency Full Doc) preferred.
  • Exposure to a loan origination system, pricing engine, or hedge analytics platform preferred.

Education / Licensing Requirements:
  • Bachelor's degree in Finance, Economics, Mathematics, Accounting, Business, or a related field, or equivalent mortgage industry experience in lieu of a degree, required.
  • Coursework or self-study in fixed income, derivatives, or financial markets preferred.

Working Conditions:
  • Fast-paced, market-driven environment.
  • Requires normal vision (corrected) both close and distant.
  • Requires normal hearing levels (corrected).
  • Requires working at a desk to use a phone and computer for extended periods of time.
  • Requires sitting, bending.
  • Works effectively with frequent interruptions.
  • Lifting requirements of 10 lbs. occasionally.
  • Minimal travel <5%.
  • Along with a great culture and competitive pay, full-time employees are eligible to receive additional benefits:
    • Medical, dental, and vision insurance
    • Short-term and long-term disability
    • 401(k) and Roth 401(k) plans and Company match
    • Company-provided life insurance
    • 8 paid holidays
    • AND MORE!

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