Lock Desk Analyst

2 months ago

Philadelphia, Pennsylvania, United States UMortgage Full time

Lock Desk Analyst

Department: Operations

Team: Lock Desk

What Sets Us Apart

At UMortgage, we have a customer-centric, service-based approach. We primarily focus on home purchases, providing an emphasis on consumer education, real estate agent relationships, and a personalized experience for home buyers. Our goal is to empower our team members to provide a best-in-class experience at all times while prioritizing long-lasting relationships.

What We Need

UMortgage is looking for a driven, detail-oriented, and communicative Lock Desk Analyst to join our growing Operations Team. As the Lock Desk Analyst, you will own all aspects of the lock desk process, from performing lock requests and price exceptions and working with third party lenders and investors. The ideal candidate will have the perfect combination of an analytical and customer-oriented mindset, with a strong work ethic and eagerness to learn. Are you looking for a unique opportunity to play an integral role on a rapidly growing team? Apply today

What You'll Do

  • Process new and follow-up rate lock requests and pricing changes from our Loan Origination and Portal Software.
  • Provide support to outside sales and operations team members on all pricing-related matters through phone calls, emails, and ticket inquiries.
  • Monitor and report P&L.
  • Work closely with sales, processing, underwriting, closing, and leadership to ensure that loans in the pipeline are sold quickly and accurately.
  • Provide firm guidance and support to the loan origination staff allowing them to focus on customer contact and analysis of new transactions.
  • Assist with the training and development of Capital Markets team members and delegate responsibilities to Capital Markets team members as needed.
  • Confidently communicate with team members of various departments and experience levels, providing insight on process improvements and corrective actions.
  • Monitor and report on locked pipeline activity, including lock expiration dates.
  • Identify and troubleshoot pricing system issues, working closely with IT and leadership to propose solutions.
  • Efficiently action any lock requests within the required time frame to ensure that proper revenue is made.
  • Responsible for assisting with additional training for lenders.
  • Communicate with Inside and Outside Loan Originators via email and phone regarding product/pricing scenarios (ie. pricing loan quotes, competitive price matching, etc.) as well as assume the position of main point of contact for third parties.
  • Build, maintain and enforce lock desk policies and procedures.
  • Additional responsibilities related to business needs.

What You Need

  • Bachelor's degree in Accounting, Finance, Economics or Mathematics a plus.
  • 1-4 years of experience in mortgage banking/lending or financial services role.
  • Strong organization, analytical, and communication skills.
  • Ability to multitask in a fast-paced environment with tight deadlines.
  • Strong work ethic with a career-driven mindset.
  • Exceptional follow-up and problem-solving skills.
  • Advanced MS Office skills, with a special focus on Excel.

Physical Requirements

The physical requirements described here are representative of those that must be met by an employee in order to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • Must be able to stand, sit, and walk for extended periods of time.
  • Includes frequently reaching with hands and arms, and using hands to handle and feel.
  • Requires close vision, distance vision, peripheral vision, color vision, depth. perception, and ability to adjust focus.
  • Must be able to perform activities with repetitive motions.
  • Must be able to work in an environment with variable noise levels.

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