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Temporary Mortgage Lock Desk Jobs (NOW HIRING)

Mortgage Loan Officer Subject Matter Expert Location: United States (Onshore; Remote with periodic ... the lock desk -- and recommend how the product should eliminate them. Pricing, Products ...

... mortgage banking. * 3+ years of experience in Non-QM pricing or rate lock desk operations, with direct responsibility for exception pricing decisions. * Advanced experience with Non-QM guidelines ...

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Temporary Mortgage Lock Desk information

What is a temporary mortgage lock desk?

A Temporary Mortgage Lock Desk is a specialized team or department within a mortgage lending organization that handles the process of locking in interest rates for borrowers, typically during periods of high volume or staffing shortages. The lock desk ensures that loan interest rates are secured at specific terms when borrowers request them, protecting them from market fluctuations. Temporary lock desks may be staffed with contract or temporary employees to manage surges in application volume or to fill in during transitions. Their main responsibilities include processing lock requests, confirming lock terms, and communicating with loan officers and borrowers. This role is critical for maintaining efficiency and accuracy in the mortgage rate lock process.

What are the key skills and qualifications needed to thrive as a temporary mortgage lock desk specialist?

To thrive as a Temporary Mortgage Lock Desk specialist, you need strong analytical skills, attention to detail, and knowledge of mortgage products and rate lock processes, often supported by experience in mortgage operations or finance. Familiarity with loan origination systems (LOS), pricing engines, and compliance software is typically required. Exceptional organizational skills, the ability to multitask under pressure, and clear communication are valuable soft skills in this role. These competencies ensure accurate rate lock management, timely processing, and regulatory compliance in a fast-paced lending environment.

What are some common challenges faced when working in a temporary mortgage lock desk role, and how can they be managed?

In a Temporary Mortgage Lock Desk position, one common challenge is managing a high volume of lock requests while ensuring accuracy and compliance with lending guidelines. Deadlines can be tight, and details around rates, terms, and documentation must be precise to avoid costly errors. Effective communication and strong organizational skills are essential, as the role often involves coordinating with loan officers, underwriters, and borrowers. Staying updated on changing market rates and internal policies can also help you succeed and minimize stress in this fast-paced environment.

What is the difference between Temporary Mortgage Lock Desk vs Mortgage Underwriter?

AspectTemporary Mortgage Lock DeskMortgage Underwriter
Primary RoleManages and monitors mortgage rate locks and ensures timely executionEvaluates loan applications, assesses risk, and approves or denies loans
CredentialsKnowledge of mortgage products, industry regulations, and lock proceduresTypically requires mortgage licensing, underwriting certifications, and financial analysis skills
Work EnvironmentLoan processing departments, often in a fast-paced, transactional settingUnderwriting departments, focused on risk assessment and compliance

The Temporary Mortgage Lock Desk primarily handles rate lock management and coordination, while Mortgage Underwriters focus on evaluating loan applications and approving loans based on risk. Both roles require industry knowledge and certifications but serve different functions within the mortgage process.

More about Temporary Mortgage Lock Desk jobs

What cities are hiring for Temporary Mortgage Lock Desk jobs?

Cities with the most Temporary 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 Temporary Mortgage Lock Desk jobs?

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What job categories do people searching Temporary Mortgage Lock Desk jobs look for?

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Infographic showing various Temporary Mortgage Lock Desk job openings in the United States as of August 2026, with employment types broken down into 82% Full Time, 17% Part Time, and 1% Contract. Highlights an 88% Physical, 1% Hybrid, and 11% Remote job distribution.

Capital Markets Lock Desk Assistant

Toll Brothers, Inc.

Fort Washington, PA • On-site

Full-time

Medical, Dental, Retirement

Re-posted 26 days ago


Toll Brothers rating

7.8

Company rating: 7.8 out of 10

Based on 22 frontline employees who took The Breakroom Quiz


Job description

Overview
oin an award-winning company!
Who are we?
Since 1967, Toll Brothers has been building luxury homes and communities in the best locations in the U.S. Today, we're a Fortune 500 company operating in over 60 markets. We're the country's premier luxury builder with the widest range of product offerings and price points in the industry, serving first-time, move-up, active-adult, and second-home buyers.
From the homes we build to the talent we recruit, we know that to be the best, we have to work with the best. Toll Brothers is a place where diverse perspectives and experiences are welcomed and where employees of all backgrounds are treated with fairness, dignity and respect. We believe every employee should feel safe to be their true and authentic self at work. Our employees are our family, and we strive to uphold the values that our founders instilled in us, creating an exceptional place to work that is inclusive to all.
Toll Brothers Mortgage, America's Leading Luxury Lender, seeks a Capital Markets Lock Desk Assistant to support our fast-paced Mortgage Sales team at our office in Fort Washington, Pennsylvania.
What is the opportunity?
The Secondary Marketing Assistant plays an important role in the organization by performing several activities related to the company's Secondary Marketing functions. The role is responsible for providing analytical and administrative support related to lock transactions, post lock changes, and pricing scenarios. This includes, but is not limited to, researching and resolving loan discrepancies, preparing reports, payment of investor fees, and performing similar tasks
What are the primary responsibilities?
  • Managing daily rates/reprices without our product and pricing engine
  • Responsible for pipeline management of loans including, but not limited to, investor changes, locks, post
    lock restructures, extensions/cancellations, and reconciliation Lock Fee/Price discrepancies.
  • Responsible for daily interaction with investors and investor websites. Register/lock loans with best
    execution investor, monitor expirations, process changes/extensions/cancellations, obtain off-sheet
    pricing, request float downs, and renegotiations.
  • Prepare Reports related to production metrics, such as investor switches, referred loans, early payoffs, and
    funding differences. Prepare Exports for pipeline updates, such as secondary gain, expiring/canceled locks.
  • Maintenance of Departmental Policy and Procedure changes, as required

This is an excellent opportunity to join one of the nation's most respected Fortune 500 companies!
Qualifications
Does this describe you?
  • Utilizes appropriate grammar, organizes ideas clearly, and articulates ideas concisely with regards to
    written and verbal communication skills
  • Excellent organizational skills with the ability to plan and prioritize while focusing on detail orientation and
    effective time management
  • Working knowledge of Microsoft Office Programs, including Outlook Excel, Word, and PowerPoint with an emphasis on Excel

Do you have these qualifications?
  • Essential:
    • Fast Learner, able to work in fast-paced environment
    • Intermediate-to-Advanced Excel Skills
    • Strong Communication and Interpersonal Skills Required
    • Work in office 3-days per week. Additional in office days may vary per Division/Department.
  • Preferred:
    • Mortgage Experience
    • Secondary Marketing Experience
    • Encompass Experience
    • Optimal Blue Experience
    • College Degree or Equivalent
    • 1+ Years' Administrative Experience

We offer a highly competitive base salary and an excellent benefits package that includes medical, dental, 401(k) with a company match, discounted stock purchase, discounts on mortgages, homes, appliances, and much more!
Come see why Toll Brothers Mortgage Company has been attracting and retaining some of the best professionals in the industry!
APPLY ONLINE TODAY!

Toll Brothers Mortgage Company At A Glance
We are a subsidiary of Toll Brothers, Inc. (NYSE=TOL), the largest, most profitable publicly traded luxury home builder in the U.S. To learn more about Toll Brothers Mortgage Company, please visit Toll Brothers Mortgage Company.
Toll Brothers is committed to ensuring equal employment opportunity. All employment decisions, policies, and practices are in accordance with applicable federal, state, and local anti-discrimination laws. Toll Brothers will not engage in or tolerate unlawful discrimination (including any form of unlawful harassment) on account of a person's sex (including pregnancy), age, race, color, religion, national origin, ancestry, citizenship, physical or mental disability, sexual orientation, gender nonconformity, status as a transgender individual, gender identity, genetic information, marital status, family responsibility, armed services, or any other status protected by law.
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