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Lock Desk Manager Jobs (NOW HIRING)

CFBank

Secondary Market Manager

Columbus, OH · On-site

Manages mortgage investor relationships and related functions, while also managing the lock desk overall including loans that will be placed in the portfolio. * Works with senior leadership to ...

Equity Bank

Mortgage Loan Coordinator

Wichita, KS · On-site

Lock Desk * Back up the Lock Desk as needed * Lock interest rate with secondary market lenders as ... Communicates rate lock expiration reports to Manager/Supervisor to ensure all locks are extended or ...

Guild

Secondary Marketing Specialist I

San Diego, CA · On-site

$20.91 - $29.37/hr

Perform day-to-day lock desk responsibilities; actively monitoring loan terms, price, and rate and ... Ability to meet deadlines while managing multiple tasks simultaneously. * Excellent verbal and ...

Equity Bank

Mortgage Loan Coordinator

Wichita, KS · On-site

Lock Desk * Back up the Lock Desk as needed * Lock interest rate with secondary market lenders as ... Communicates rate lock expiration reports to Manager/Supervisor to ensure all locks are extended or ...

Wichita Marriott

FRONT DESK AGENT FT PM

Wichita, KS

$12.75 - $16/hr

The front desk manager will always verify the shift closing and enter the drop in the system. * When leaving the front desk area, it is mandatory for the cashier to lock his/her bank so the cash is ...

Rosedale Bank

Secondary Market Manager

Baltimore, MD · On-site

$90K - $120K/yr

... Lock Desk, or Capital Markets * Proven experience managing pricing strategy and margin performance ... * 1-3+ years of supervisory/team management experience * Strong knowledge of secondary markets ...

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Lock Desk Manager information

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$29K

$104.6K

$118K

How much do lock desk manager jobs pay per year?

As of Jun 20, 2026, the average yearly pay for lock desk manager in the United States is $104,575.00, according to ZipRecruiter salary data. Most workers in this role earn between $114,000.00 and $116,500.00 per year, depending on experience, location, and employer.

What is a Lock Desk Manager?

A Lock Desk Manager is a professional in the mortgage industry responsible for overseeing the lock desk, which handles the rate-lock process for loans. They manage interest rate locks, ensuring compliance with lender guidelines, and work closely with loan officers and secondary marketing teams. Their role is crucial in protecting both lenders and borrowers from market fluctuations by securing interest rates during the mortgage process. Additionally, Lock Desk Managers maintain policies, resolve lock-related issues, and monitor pipeline management to optimize profitability and customer satisfaction.

What is the difference between Lock Desk Manager vs Loan Processor?

AspectLock Desk ManagerLoan Processor
Primary RoleOversees lock commitments, manages rate locks, and coordinates with lenders and borrowersPrepares and processes loan documentation, verifies borrower information, and ensures loan files are complete
CertificationsTypically requires mortgage licensing, knowledge of lock policiesOften requires mortgage licensing, loan processing certifications
Work EnvironmentOffice-based, mortgage or financial institution settingOffice-based, mortgage or lending company setting
Employer & IndustryMortgage lenders, banks, financial institutionsMortgage lenders, banks, financial institutions

While both roles operate within the mortgage industry, the Lock Desk Manager focuses on managing rate locks and lock commitments, ensuring favorable terms for the lender. The Loan Processor handles the preparation and verification of loan documents. Understanding these differences helps candidates choose the right career path or job search focus.

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

To thrive as a Lock Desk Manager, you need a deep understanding of mortgage loan processes, secondary marketing, and interest rate management, often backed by experience in mortgage operations or finance. Familiarity with loan origination systems (LOS), pricing engines, and compliance tools is typically required, as well as proficiency with Excel and data analysis software. Strong organizational skills, attention to detail, and effective communication are crucial soft skills for handling complex rate lock requests and collaborating with internal teams. These skills ensure accurate lock processing, regulatory compliance, and optimized pricing, which are vital for minimizing risk and maximizing profitability in mortgage lending.

What are some common challenges faced by Lock Desk Managers, and how can they be addressed?

Lock Desk Managers often encounter challenges such as managing high volumes of rate lock requests during peak market activity, ensuring compliance with constantly changing lending regulations, and minimizing errors in lock confirmations. To address these issues, it's important to develop strong organizational skills, stay updated with industry changes, and foster clear communication with loan officers and secondary marketing teams. Many organizations also invest in lock desk software and regular training to help managers maintain accuracy and efficiency.
More about Lock Desk Manager jobs
What cities are hiring for Lock Desk Manager jobs? Cities with the most Lock Desk Manager job openings:
What are the most commonly searched types of Lock Desk jobs? The most popular types of Lock Desk jobs are:
What states have the most Lock Desk Manager jobs? States with the most job openings for Lock Desk Manager jobs include:
What job categories do people searching Lock Desk Manager jobs look for? The top searched job categories for Lock Desk Manager jobs are:
Lock Desk Manager jobs near you
Infographic showing various Lock Desk Manager job openings in the United States as of June 2026, with employment types broken down into 83% Full Time, and 17% Part Time. Highlights an 95% Physical, and 5% Remote job distribution, with an average salary of $104,575 per year, or $50.3 per hour.

Secondary Marketing Analyst

DAS Acquisiton Company LLC

Creve Coeur, MO • On-site

Full-time

Posted 10 days ago

Job 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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