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Remote Mortgage Lock Desk Jobs (NOW HIRING)

CrossCountry Mortgage

Lock Desk Analyst

CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more ... The Lock Desk Analyst's primary responsibility is to support the Lock Desk by processing rate lock ...

SAIGroup

Mortgage Loan Officer SME

Bodega Bay, CA · Remote

Remote with periodic travel) Employment Type: Full-Time About SAI Group SAI Group is a private ... the lock desk -- and recommend how the product should eliminate them. Pricing, Products ...

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Vesta Innovations, Inc

Mortgage Process Specialist

$100K - $135K/yr

... lock desk operations, investor delivery, loan sale workflows, or hedging - is a huge plus. This is ... Remote-first culture with hubs in New York & San Francisco * Generous WFH & Wellness Benefits

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Remote Mortgage Lock Desk information

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

To thrive as a Remote Mortgage Lock Desk Specialist, you need strong analytical skills, attention to detail, and a solid understanding of mortgage products and secondary market guidelines, often supported by experience in mortgage lending or finance. Proficiency with loan origination systems (LOS), pricing engines, and industry platforms like Encompass or Optimal Blue is typically required. Excellent communication, time management, and problem-solving abilities help you collaborate effectively with loan officers and ensure timely rate locks. These skills ensure accurate, compliant, and efficient mortgage rate lock processes, minimizing risk and supporting successful loan delivery.

What is a Remote Mortgage Lock Desk?

A Remote Mortgage Lock Desk is a specialized team or individual within a mortgage lending organization responsible for managing interest rate lock requests from loan officers, brokers, or clients, all while working remotely. They help secure specific interest rates for borrowers for a set period, ensuring that the rate does not change before the loan closes. This remote role involves communicating with various stakeholders, monitoring market rates, and adhering to company and regulatory guidelines to process lock requests efficiently. The position is especially valuable in today’s digital work environment, allowing for greater flexibility and broader talent sourcing.

What are the common challenges faced by professionals working in a remote mortgage lock desk role?

Professionals in a remote mortgage lock desk role often face challenges such as maintaining clear communication with loan officers, brokers, and underwriters due to the virtual environment. Additionally, managing high volumes of lock requests during peak periods requires strong organizational skills and attention to detail to avoid costly errors. Adapting quickly to changing lender guidelines and market conditions is also essential, as is staying up-to-date with compliance requirements. Effective use of digital communication tools and time management are key to overcoming these challenges and ensuring smooth workflow.
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Infographic showing various Remote Mortgage Lock Desk job openings in the United States as of June 2026, with employment types broken down into 100% Full Time. Highlights an 100% Remote job distribution.
Lock Desk Analyst

Lock Desk Analyst

CrossCountry Mortgage

Remote

Full-time

Medical, Dental, Vision, Retirement

Posted 18 days ago

CrossCountry Mortgage rating

7.1

Company rating: 7.1 out of 10

Based on 26 frontline employees who took The Breakroom Quiz

Job description

CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 9,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture.
A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You'll get unwavering support from all departments and total transparency from the top down.
CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program.
Position Overview:
The Lock Desk Analyst's primary responsibility is to support the Lock Desk by processing rate lock, change, and extension requests while adhering to and enforcing rate lock policies. This position provides real time training, process enhancement suggestions, and support within Secondary Marketing and cross-functional departments.
This position operates within Pacific Standard Time Zone working hours to support the West Coast region.
Job Responsibilities:
  • Process rate lock requests in Encompass; clearly and effectively communicate with requestor(s) as needed.
  • Process change requests, reprice requests, and extension requests.
  • Assist Loan Officers with post-lock file inquiries.
  • Work closely with Secondary Marketing leadership to implement system changes, testing, and process flow enhancements.
  • Assist with system, product, and procedural inquires.

Qualifications and Skills:
  • Bachelor's degree in a related field or equivalent combination of education/experience.
  • 2+ years' mortgage lending experience or equivalent coursework, preferred.
  • Experience with Optimal Blue and Encompass systems, preferred.
  • Secondary Marketing or Capital Markets experience, preferred.
  • Excellent attention to detail, mathematical, and analytical skills.
  • Excellent communication and customer service skills.
  • Proficiency in Microsoft Office (Excel, Outlook, Word).

This job description is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position.
#LI-CCMREC
CrossCountry Mortgage, LLC offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com
CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: https://mycrosscountrybenefits.com
California residents: Please see CrossCountry's privacy statement for information about how CrossCountry collects and uses personal information about California applicants.
CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual's association with a member of a protected group or any other characteristic protected by federal, state, or local law ("Protected Characteristics"). The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion.
CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit www.NMLSConsumerAccess.org

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