Easy Apply
Easy Apply
The Lock Desk Analyst ensures compliance with rate lock policies, manages loan pricing, conducts data entry, and serves as a primary contact for teams and stakeholders.
Employee Applicant Privacy Notice
Who we are:
Shape a brighter financial future with us.
Together with our members, we’re changing the way people think about and interact with personal finance.
We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.
The role
The Lock Desk Specialist will be responsible for ensuring SoFi company policies and procedures related to rate locks are accurate and meet loan pricing compliance standards. This role requires meticulous attention to detail, strong organizational skills, and the ability to work independently in a fast-paced environment. The ideal candidate will have experience in the mortgage industry, proficiency in relevant software, and the ability to serve as a critical point of contact for both internal teams and external stakeholders.
What you'll do:
- Enforce Lock Desk policy & procedures.
- Assist the company’s loan officers with rate lock maintenance, loan re-prices, and general Lock.
- Monitor and track Best Effort rate locks with investors.
- Confirm loan pricing accuracy and profitability.
- Conduct systematic data entry for all interest rate lock requests and re-prices.
- Act as the main point of contact for escalation scenarios.
- Process Change of Circumstances, Loan Concessions, Lock Scrubs, and Lock Extensions.
- Monitor various shared email in-boxes and perform work within SLA.
- Act as a primary point of contact with the Loan Setup Client Experience Team to ensure loan terms are compliant.
- Ensure the accuracy of fees; create a file structure for outbound disclosures.
- Monitor robotics outcome reports and scrub loans that fail to queue back up for automation or work manually.
- Coach, train, and educate teammates who are newly onboarded.
What you'll need:
- A four-year college degree in Finance, Economics, or another related field is preferred
- 2+ years in the mortgage industry preferred
- 2 + years of Encompass experience
- 2+ years of Optimal Blue experience
- Microsoft Excel proficiency
- General knowledge of financial markets
- Knowledge of TRID guidelines
- Ability to work quickly, accurately, and independently in a very fast-paced environment
- Comfortable working under a high level of confidentiality
- Detail-oriented and strong time management / organizational skills
Compensation and Benefits
The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.
To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!
SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.The Company hires the best qualified candidate for the job, without regard to protected characteristics.Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.New York applicants: Notice of Employee RightsSoFi is committed to embracing diversity. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email [email protected].Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.Internal Employees
If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.
Top Skills
Encompass
Excel
Optimal Blue
Similar Jobs at SoFi
Fintech • Mobile • Software • Financial Services
Manage Workday Financials, optimize configuration, support finance-related tasks, and collaborate with various departments to enhance business processes.
Top Skills:
ConfluenceJIRAScrum Management ToolsWorkday FinancialsWorkday Pro Certifications
Fintech • Mobile • Software • Financial Services
As a Business Controls RCSA Senior Analyst, you'll evaluate and manage risks and controls for the Home Loan business, ensuring effective risk mitigation and compliance with regulations through collaboration and support of business units.
Top Skills:
Google Workspace (DocsGrc SystemsSheetsSlides)
Fintech • Mobile • Software • Financial Services
The Internal Recovery Specialist manages charged off accounts, negotiates settlements, and assists members with delinquent loans while improving recovery rates.
Top Skills:
ExcelGoogleMS Office
What you need to know about the Montreal Tech Scene
With roots dating back to 1642, Montreal is often recognized for its French-inspired architecture and cobblestone streets lined with traditional shops and cafés. But what truly sets the city apart is how it blends its rich tradition with a modern edge, reflected in its evolving skyline and fast-growing tech industry. According to economic promotion agency Montréal International, the city ranks among the top in North America to invest in artificial intelligence, making it le spot idéal for job seekers who want the best of both worlds.
Key Facts About Montreal Tech
- Number of Tech Workers: 255,000+ (2024, Tourisme Montréal)
- Major Tech Employers: SAP, Google, Microsoft, Cisco
- Key Industries: Artificial intelligence, machine learning, cybersecurity, cloud computing, web development
- Funding Landscape: $1.47 billion in venture capital funding in 2024 (BetaKit)
- Notable Investors: CIBC Innovation Banking, BDC Capital, Investissement Québec, Fonds de solidarité FTQ
- Research Centers and Universities: McGill University, Université de Montréal, Concordia University, Mila Quebec, ÉTS Montréal
