ZipRecruiter

Log In

2

Remote Mortgage Lock Desk Jobs (NOW HIRING)

V.I.P. Mortgage Inc.

Lock Desk Specialist

Scottsdale, AZ · Remote

$28.84/hr

The Mortgage Lock Desk Specialist at V.I.P. Mortgage, Inc. is responsible for the accurate and timely processing of lock-related requests submitted by Loan Officers and TPO originators. This role is ...

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 ...

Multiply

Lock & Scenario Analyst

Minimum 5 years of recent residential mortgage experience in underwriting, secondary marketing, lock desk, scenario desk, or originations, familiar with complex loan structures. * Deep working ...

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

Partners Mortgage

Mortgage Loan Advisor

Roseville, CA · Remote

We're looking for Mortgage Loan Advisors who want more than just a desk and a rate sheet. We want ... This is a remote position 🎤 Bottom Line If you're looking for: ❌ "Just another mortgage ...

CFS

Sr. DE Mortgage Underwriter

Nashville, TN · Remote

$85K/yr

Sr. DE Mortgage Underwriter (FHA) - Mainly Remote (2 Days Onsite Monthly after 5 Days of Training ... within deadlines and rate lock requirements. * Provide subject matter expertise, maintain ...

next page

Showing results 1-20

All JobsMortgage Lock Desk JobsRemote Mortgage Lock Desk Jobs

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.
More about Remote Mortgage Lock Desk jobs
What cities are hiring for Remote Mortgage Lock Desk jobs? Cities with the most Remote Mortgage Lock Desk job openings:
What are the most commonly searched types of Mortgage Lock Desk jobs? The most popular types of Mortgage Lock Desk jobs are:
What states have the most Remote Mortgage Lock Desk jobs? States with the most job openings for Remote Mortgage Lock Desk jobs include:
What job categories do people searching Remote Mortgage Lock Desk jobs look for? The top searched job categories for Remote Mortgage Lock Desk jobs are:
Remote Mortgage Lock Desk jobs near you
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 Specialist

Lock Desk Specialist

V.I.P. Mortgage Inc.

Scottsdale, AZ • Remote

$28.84/hr

Full-time

Posted 9 days ago

Job description

Summary:

The Mortgage Lock Desk Specialist at V.I.P. Mortgage, Inc. is responsible for the accurate and timely processing of lock-related requests submitted by Loan Officers and TPO originators. This role is execution-focused and volume-driven, with an emphasis on service levels, accuracy, and adherence to pricing and lock policies.

The Lock Desk Specialist plays a critical role in ensuring smooth loan origination workflows by processing tickets efficiently and consistently within established guidelines.

Essential Job Functions:

Lock Desk Operations

  • Process lock, extension, renegotiation, relock, and cancellation requests in Encompass
  • Review requests for completeness, accuracy, and compliance with pricing and lock policies
  • Utilize Optimal Blue to validate pricing, lock terms, and eligibility
  • Communicate clearly with Loan Officers, Account Executives, and Operations teams regarding lock status, corrections, or issues
  • Maintain service level standards for ticket turnaround times
  • Collaborate with Secondary team on loan-level data reconciliation
  • Assist with ad hoc projects and responsibilities as directed by Lock Desk Manager

Ticket & Workflow Management

  • Monitor lock desk queues and prioritize tickets based on urgency and established SLAs, generally within 1-2 hours of the request
  • Maintain responsibility for approximately 20–25% of total lock desk tickets, with a representative mix of both routine and complex requests
  • Ensure all lock actions are properly documented in Encompass
  • Escalate pricing discrepancies, system issues, or policy exceptions as appropriate
  • Assist in maintaining clean pipelines and minimizing rework or corrections

Quality & Compliance Support

  • Follow established lock desk policies, procedures, and controls
  • Assist with audits, post-lock reviews, and quality checks as requested
  • Identify recurring issues and communicate trends or concerns to management
  • Other duties as assigned by management

Qualifications:

  • High School diploma or GED, required.
  • 1–3 years of mortgage experience, preferably in Lock Desk, Secondary, or Operations
  • Working knowledge of mortgage rate locks, extensions, and pricing concepts
  • Experience using Encompass LOS and Optimal Blue
  • High attention to detail and accuracy
  • Strong time management and organizational skills
  • Ability to work efficiently in a high-volume, ticket-driven environment
  • Clear written and verbal communication skills

Work Environment:

  • Office Setting
  • Hybrid
  • Shift time of 9am-6pm PST

Physical Demands:

  • Dexterity of hands to operate a computer keyboard.
  • Reaching overhead above the shoulders and horizontally bending at the waist, climbing, kneeling, and stooping for installation of hardware and more.
  • Hearing and speaking to communicate and provide information to others.
  • Prolonged periods sitting at a desk and working on a computer.