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Lock Desk Analyst Jobs (NOW HIRING)

Fnbcorp

Lock Desk Associate 1

Pittsburgh, PA

Lock Desk Associate 1 Business Unit: Mortgage Administration Reports to: Supervisor of Secondary ... analytical and interpersonal skills Ability to use general office equipment Ability to use a ...

Axelon

Mortgage Operations Support

Glen Allen, VA · On-site

... Lock Desk. This role partners closely with Loan Officers, Lenders, and internal teams to ensure ... Strong analytical, problem-solving, and time-management skills. * Ability to collaborate ...

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Lock Desk Analyst information

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$31K

$73.3K

$130K

How much do lock desk analyst jobs pay per year?

As of Jul 5, 2026, the average yearly pay for lock desk analyst in the United States is $73,261.00, according to ZipRecruiter salary data. Most workers in this role earn between $52,500.00 and $87,000.00 per year, depending on experience, location, and employer.

What are some typical daily responsibilities for 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 is a Lock Desk Analyst job?

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 key skills and qualifications needed to thrive in the Lock Desk Analyst position, and why are they important?

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.

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What cities are hiring for Lock Desk Analyst jobs? Cities with the most Lock Desk Analyst job openings:
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Lock Desk Analyst jobs near you
Infographic showing various Lock Desk Analyst job openings in the United States as of June 2026, with employment types broken down into 91% Full Time, 2% Part Time, and 7% Contract. Highlights an 91% In-person, 2% Hybrid, and 7% Remote job distribution, with an average salary of $73,261 per year, or $35.2 per hour.

Secondary Marketing Analyst

DAS Acquisiton Company LLC

Saint Louis, MO • On-site

Full-time

Posted 14 days ago

Job description

Description:

Job Description

Secondary Marketing Analyst II

Department/Branch: Pricing/Corporate Operations

Reports to: Senior Vice President of Capital Markets

FLSA Status: Non-Exempt

Work Schedule: Full-time

Locations: In-Office or Remote

POSITION SUMMARY DESCRIPTION

The Secondary Marketing Analyst supports the Capital Markets team by overseeing the pricing, locking, hedging, and sale of mortgage loans into the secondary market. This role requires strong analytical skills, sharp attention to detail, and a deep understanding of mortgage-backed securities (MBS), loan pricing, investor guidelines, market execution, and lock desk operations. Lock desk capabilities are a given for this position and will be required to support timely, accurate execution. The Analyst plays a key role in maximizing profitability, managing pipeline risk, and ensuring accurate and compliant loan sales.

MAJOR AREAS OF responsibilities

  • Secondary marketing operations and lock desk.
  • Hedge and pipeline risk management.
  • Pricing strategies and best execution.
  • Loan sale and investor delivery coordination.
  • Compliance and post-close audit support.
  • Cross-functional reporting and data analysis.

Primary objectives

  • Ensure timely and accurate pricing and locking of loans.
  • Maximize profitability through best execution strategies.
  • Maintain accurate and balanced hedge positions and trade reconciliations.
  • Support compliance with investor guidelines and internal policies.
  • Streamline reporting, onboarding, and technology integration within secondary tools.

Specific Responsibilities

  • Process lock requests and lock changes, including pricing scenarios, extensions, renegotiations, and dual compensation structures.
  • Manage and approve renegotiations to ensure adherence to internal policy and profitability guidelines.
  • Maintain relationships with Branch Managers for exceptions and updated procedure approvals.
  • Triage and route Freshservice tickets to Lock Desk Analysts as needed.
  • Create and maintain daily pricing scenarios, investor grids, and specialized pricing (e.g., RVPS, Jumbo, TPO borrower-paid).
  • Monitor and distribute rate sheets and executive-level pricing templates for internal teams.
  • Perform detailed pipeline scrubbing to ensure pricing accuracy, eligibility, and sale-readiness.
  • Execute Best Execution analysis to determine optimal sale strategy across multiple investors.
  • Oversee post-close reship activity and coordinate with operations to ensure investor delivery.
  • Maintain and operate the Forward Commitment Desk, ensuring efficient use of commitments and delivery strategies.
  • Manage mandatory loan trades for profitability and eligibility in accordance with investor guidelines.
  • Perform daily lock reconciliation and trade reconciliation to ensure alignment between pipeline and hedge positions.
  • Manage the loans placed into the hedge to ensure the company is not taking on excessive interest rate risk.
  • Monitor hedge performance, evaluate coverage strategies, and support daily position management.
  • Collaborate on monthly accounting and gain-on-sale reporting, working closely with Jason’s team and finance.
  • Review and resolve Mavent fail reports to ensure salability and compliance with investor guidelines.
  • Manage system access, onboarding, and login credentials for pricing and secondary systems.
  • Utilize Encompass for loan designation, exclusion automation, and system-based integration for lock and delivery accuracy.
  • Support Optimal Blue usage for lock desk operations, pricing input, and investor guideline reference.
  • Create, review, and analyze regular and ad hoc reports on lock volume, pull-through, pricing accuracy, and investor performance.
  • Support TPO channel pricing, including borrower-paid compensation structures and investor-specific adjustments.
  • Continuously collaborate with internal stakeholders, including Jason’s team, to improve processes and reporting across the secondary workflow.


Requirements:

Job Requirements

Broad Knowledge & Experience

Understanding of mortgage secondary markets, investor guidelines, and loan sale processes. Experience with pricing engines such as Optimal Blue. Familiarity with Encompass LOS and integration for lock and delivery functions. Knowledge of pipeline hedging, best execution strategies, and investor delivery methods.

Above Average Skills

Advanced Excel and data analysis capabilities. Excellent written and verbal communication. High attention to detail and organizational precision. Strong problem-solving and critical thinking skills.

Demonstrated Ability

Effectively manage competing priorities and deadlines. Collaborate with cross-functional teams in a fast-paced environment. Maintain data integrity across multiple systems and reports. Implement and refine operational processes for greater efficiency.

General Knowledge

Mortgage origination workflows, from pricing through post-close. Agency and non-agency loan program structures. Investor pricing models and rate sheet structures.

Regulatory considerations impacting loan eligibility and pricing (e.g., Mavent, QM/ATR).

Competencies

Analytical Thinking. Attention to Detail. Time Management. Teamwork and Collaboration. Adaptability and Flexibility. Initiative and Accountability.

Education & Experience

Degree or Equivalent

Bachelor’s degree in Finance, Economics, Business, or a related field.

Years’ Experience

2+ years of experience in mortgage banking, capital markets, or secondary marketing.

Specialized Training

Lock desk lead or management experience. Experience with hedge coverage analysis, trade reconciliation, and pipeline management. Experience with Dynamic pricing strategies and competitive analysis. Comfort working with both high-level strategy and detailed operational tasks in secondary marketing.

Work Environment

Physical Demands

Office environment; Daily computer usage requires close vision. Regular attendance is required.

Work Conditions

Fast paced, high volume activities.

Temperament

In order to succeed in this position high attention to market change, organization and communication is a must.

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