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Lock Desk Manager Jobs (NOW HIRING)

SAIGroup

Mortgage Loan Officer SME

Bodega Bay, CA · Remote

Map the end-to-end front-of-funnel workflow: lead sources and referral partners, CRM and POS touchpoints, disclosure triggers, intent-to-proceed, lock desk interaction, and the handoff to processing.

Wichita Marriott

FRONT DESK AGENT FT PM

Wichita, KS · On-site

$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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How much do lock desk manager jobs pay per year?

As of Jul 14, 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.
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Mortgage Loan Officer SME

Mortgage Loan Officer SME

SAIGroup

Bodega Bay, CA • Remote

Full-time

Posted 13 days ago

Job description

Mortgage Loan Officer Subject Matter Expert

Location: United States (Onshore; Remote with periodic travel)

Employment Type: Full-Time

About SAI Group

SAI Group is a private investment firm that has committed $1 billion to incubate and scale revolutionary AI-powered enterprise software application companies. Our portfolio, a testament to our success, comprises rapidly growing AI companies that collectively cater to over 2,000+ major global customers, approaching $600 million in annual revenue, and employing a global workforce of over 4,000 individuals.

SAI Group invests in new ventures based on breakthrough AI-based products that have the potential to disrupt existing enterprise software markets. SAI Group's latest investment, JazzX, is a pioneering technology company which is building a platform that will not only shape the future of enterprise AI applications but also offer practical solutions to real-world challenges.

Role Overview

As JazzX's Mortgage Loan Officer SME, you will be the single-domain authority for the front end of the mortgage business — lead intake, borrower consultation, qualification, structuring, pricing, locking, and application handoff — across product, engineering, and operations. You will own how loan officer workflows, incentives, and borrower interactions are defined, explained, and operationalized into the JazzX Mortgage Application, ensuring that AI-assisted sales and origination experiences faithfully reflect how loan officers actually work and win business.

This is a hands-on position. You will work representative borrower scenarios end-to-end, document how loan officers qualify, structure, and price loans, map the lead-to-lock-to-submission journey, and sit with product managers and engineers daily to translate that knowledge into detailed product requirements, decision logic, and acceptance criteria.

JazzX is building AI products that automate and assist U.S. residential mortgage origination and fulfillment. Our product and engineering teams bring deep AI and software expertise, but they do not come from the mortgage industry. This role exists to close that gap: you will embed with the product team as a hands-on domain expert, bringing real operational mortgage experience into product design and product build at a very detailed level — from workflow maps and edge cases down to field-level definitions, decision rules, and acceptance criteria.

What You'll Do

Hands-On Origination & Scenario Documentation

  • Work representative borrower scenarios across purchase, rate-term refinance, cash-out, FHA, VA, conventional, and non-QM contexts — from initial inquiry through pre-qualification, pre-approval, structuring, pricing, lock, and submission to processing.
  • Document the questions loan officers ask, the data they collect, the calculations they run (income, DTI, LTV, assets-to-close), and the judgment calls they make — in a format product and engineering teams can implement as exacting product behavior.
  • Capture how loan officers handle common friction points: marginal credit, complex income (self-employed, commission, rental), gift funds, buydowns, DPA programs, and competing offers.

Product Design Partnership

  • Embed with the product team as the voice of the loan officer persona; review and pressure-test product specs, UX flows, prompts, and AI assistant behaviors against real-world sales practice.
  • Define what "good" looks like for AI-assisted borrower conversations, qualification, scenario comparison, and pricing presentation — including tone, compliance boundaries, and escalation points to a human LO.
  • Write detailed acceptance criteria, edge cases, and test scenarios for loan-officer-facing features.

Workflow, Persona & Handoff Mapping

  • Map the end-to-end front-of-funnel workflow: lead sources and referral partners, CRM and POS touchpoints, disclosure triggers, intent-to-proceed, lock desk interaction, and the handoff to processing.
  • Identify data dependencies, rework loops, and failure modes between loan officers, LOAs/production assistants, processors, and the lock desk — and recommend how the product should eliminate them.

Pricing, Products & Compliance Context

  • Explain how product and pricing engines, rate sheets, LLPAs, lock policies, and LO compensation rules shape loan officer behavior, and ensure product designs reflect those realities.
  • Flag regulatory boundaries relevant to the front end (RESPA, TRID timing, ECOA/fair lending, state licensing, advertising rules) so AI experiences are designed defensibly from the start.

Validation & Knowledge Transfer

  • Blind-test AI assistant outputs (qualification answers, scenario structuring, borrower communications) against how an experienced loan officer would handle the same situation; quantify gaps and prioritize fixes.
  • Train product, engineering, and design teams on mortgage sales fundamentals; build and maintain playbooks, glossaries, and persona documentation.

What We're Looking For

Required Qualifications

  • 7+ years of hands-on U.S. residential mortgage loan origination experience as a producing loan officer (retail, consumer-direct, or broker channels), with a strong personal production track record.
  • Active NMLS licensure (current or recent) and working knowledge of federal and state origination compliance requirements (TRID, RESPA, ECOA, state licensing).
  • Deep familiarity with agency (Fannie Mae, Freddie Mac), government (FHA, VA, USDA), and common non-QM product guidelines as they apply to qualification and structuring.
  • Practical experience with POS, CRM, LOS, and product & pricing engine platforms (e.g., Encompass, Blend, ICE PPE/Optimal Blue or similar) and how data flows between them.
  • Demonstrated ability to articulate the loan officer's day-to-day in detail: lead management, borrower consultation, qualification math, pricing and lock decisions, and pipeline management.
  • Excellent written and verbal communication skills; able to document workflows, rationale, and requirements clearly for non-mortgage audiences.

Skills & Competencies

  • Ability to translate sales judgment and tribal knowledge into explicit rules, decision trees, and structured requirements.
  • Comfort working daily with product managers, designers, and engineers in a fast-moving software environment.
  • Strong attention to detail with a builder's mindset — energized by turning operational expertise into product capability rather than personal production.
  • Credibility and influence: able to represent the loan officer persona convincingly to internal teams and customer stakeholders.

Preferred

  • Experience as a branch manager, sales manager, or top producer mentoring other loan officers.
  • Prior involvement with mortgage technology vendors, POS/AI pilot programs, or digital origination initiatives.
  • Exposure to consumer-direct call-center origination models in addition to distributed retail.
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About SAIGroup

Sourced by ZipRecruiter

Industry

Investment clubs and venture capital companies

Company size

11 - 50 Employees

Headquarters location

Palo Alto, CA, US

Year founded

2017

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