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Lock Desk Analyst Jobs (NOW HIRING)

Report as a member of Non-QM rate lock desk, including issuing lock confirmations, tracking lock ... Analyze loan-level risk characteristics, including credit, assets, income, occupancy, and ...

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Report as a member of Non-QM rate lock desk, including issuing lock confirmations, tracking lock ... Analyze loan-level risk characteristics, including credit, assets, income, occupancy, and ...

New

Independent analysts covering more than 4,000 companies now contribute to Smartkarma's cloud-based ... Lock-up expiry trades * Desk access: * Access to team via email/messaging * Direct calls ...

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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 Aug 16, 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 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 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 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.

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What cities are hiring for Lock Desk Analyst jobs?

Cities with the most Lock Desk Analyst job openings:

What are the most commonly searched types of Lock Desk Analyst jobs?

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What states have the most Lock Desk Analyst jobs?

States with the most job openings for Lock Desk Analyst jobs include:

Infographic showing various Lock Desk Analyst job openings in the United States as of August 2026, with employment types broken down into 79% Full Time, 18% Part Time, 1% Temporary, and 2% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $73,261 per year, or $35.2 per hour.

Client Services Representative (Aspire Non-QM)

Redwood Trust

Englewood, CO • On-site

$65K - $85K/yr

Other

Medical, Life, Retirement, PTO

Posted 12 days ago


Job description

Position Summary

The position requires experience in a mortgage role involving loan processing, loan purchases or other functions with solid mortgage product and data knowledge. Strong attention to detail and process, clear communication skills, and outstanding client service support are key factors. The successful candidate will have a high level of interaction with internal parties (Underwriting, Lock Desk, Funding, IT) and external parties (loan originators, custodians, servicers, and other 3rd party service providers).

This role is hybrid based out of our Englewood, CO office.

Responsibilities & Duties
  • Daily point of contact may include interaction with loan originators, secondary marketing, underwriting, loan delivery, and IT departments.
  • Full understanding of operational policies, with the ability to convey requirements clearly and concisely to clients and manage changes as applicable.
  • Manage and answer product questions and escalate complex product/underwriting issues to appropriate parties.
  • Coordinate with Underwriting and Lock Desk to process underwriting and product exception requests.
  • Coordinate with Appraisal and Due Diligence vendors to process appraisal review requests to meet service level agreements.
  • Ensure the flow of accurate and timely loan data; quickly diagnose issues and inconsistencies for mortgage loan data.
  • Facilitate the delivery of data, loan files, and collateral files to vendors supporting the loan purchase process.
  • Provide process improvement requirements to the internal technical team in support of constant improvement in conduit work systems.
  • Condition and pipeline management follow-up for both credit and collateral documents.
  • Manage time and activities to agreed-upon service level turn times and quality metrics.
  • Provide analytics and documentation to support asset acquisition and investment decisions.
  • Create and distribute various lock and operational reports.
Required Experience, Skills, & Competencies
  • Preferred High School diploma.
  • 3+ years of recent mortgage industry experience.
  • 3+ years of recent processing experience.
  • Analytical thinking ability, diplomacy and professionalism.
  • Strong interpersonal and communication skills, both written and oral.
  • Technologically savvy, with the ability to work in varied systems, Proficiency with Excel & Word.
  • Experience with loan origination systems, document management, or other mortgage-related processing systems.
  • Able to handle multiple tasks and manage workload independently.
  • Organized, detailed-oriented, and maintain reliable follow-through.

A reasonable estimate of the total compensation range for this role is $65,000-$85,000. The actual salary offer to the successful candidate will be based on job-related education, geographic location, training, licensure and certification, and other factors. CoreVest also offers a competitive benefit package including discretionary corporate bonus program, multiple health plans, STD and LTD options, company sponsored life insurance, fitness reimbursement, paid parental leave, time to volunteer, Paid Time off, ESPP, and 401K matching. At Redwood Trust, we are committed to fostering an inclusive workplace where diversity is valued, and everyone has the opportunity to thrive. We welcome applications from individuals of all backgrounds and experiences. 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, gender, sexual orientation, age, marital status, veteran status, or disability status.