锁台团队负责人
Lock Desk Team Leader
锁台团队主管在监督日常锁台运营中起着关键作用，确保定价准确、符合投资者指南，并及时处理利率锁定请求。该职位管理锁台助理团队，提供培训和支持，解决升级的问题，并与包括二级市场、承销和销售在内的内部部门协作。理想的候选人应具备高度的组织能力，技术熟练，有抵押贷款定价和锁定流程经验，并具有出色的领导能力。
主要职责
- 监督锁台团队的日常运营，确保利率锁定请求及时准确地执行。
- 审查并解决升级的定价或锁定问题，包括锁定延期、重新锁定和定价例外情况。
- 确保符合与利率锁定相关的投资者指南、公司政策和联邦法规。
- 培训、指导和支持锁台助理，确保团队的准确性、一致性和发展。
- 监控团队生产力和服务水平协议（SLA）；生成并分析绩效报告。
- 与二级市场、销售、处理和承销团队协作，解决与锁定相关的问题。
- 在Optimal Blue和其他定价引擎中维护和更新定价模板和指南。
- 协助测试和实施影响定价和锁定流程的系统更新或指南变更。
- 通过确保正确记录和遵循锁台流程来支持审计和质量控制审查。
- 识别流程改进机会，并为政策和工作流程的优化做出贡献。
技能、知识和专长
- 需要高中文凭或同等学历；金融、商业或相关领域的学士学位优先。
- 至少3–5年抵押贷款定价、锁台运营或二级市场的经验。
- 在抵押相关岗位中至少1年的领导、监督或培训经验优先。
- 熟悉抵押贷款产品，包括常规贷款、FHA、VA和非机构贷款。
- 精通Encompass、Optimal Blue和投资者门户（如房利美、房地美或私人投资者）。
- 具备优秀的分析能力，注重细节和准确性。
- 优秀的书面和口头沟通能力；能够清晰解释复杂的定价情景。
- 能够独立工作
查看英文原文
The Lock Desk Team Leader plays a critical role in overseeing daily lock desk operations, ensuring pricing accuracy, compliance with investor guidelines, and timely execution of rate lock requests. This position manages a team of Lock Desk Associates, provides training and support, resolves escalated issues, and collaborates with internal departments including Secondary Marketing, Underwriting, and Sales. The ideal candidate is highly organized, technically proficient, and experienced in mortgage pricing and lock procedures, with proven leadership abilities.
Key Responsibilities
- Supervise the daily operations of the lock desk team, ensuring timely and accurate execution of rate lock requests.
- Review and resolve escalated pricing or lock issues, including lock extensions, relocks, and pricing exceptions.
- Ensure compliance with investor guidelines, company policies, and federal regulations related to rate locking.
- Train, mentor, and support Lock Desk Associates to ensure team accuracy, consistency, and development.
- Monitor team productivity and service level agreements (SLAs); generate and analyze performance reports.
- Collaborate with Secondary Marketing, Sales, Processing, and Underwriting teams to resolve lock-related inquiries.
- Maintain and update pricing templates and guidelines in Optimal Blue and/or other pricing engines.
- Assist in testing and implementing system updates or guideline changes that impact pricing and locking procedures.
- Support audits and quality control reviews by ensuring proper documentation and lock desk procedures are followed.
- Identify process improvement opportunities and contribute to policy and workflow enhancements.
Skills, Knowledge and Expertise
- High school diploma or equivalent required; Bachelor’s degree in Finance, Business, or related field preferred.
- Minimum 3–5 years of experience in mortgage pricing, lock desk operations, or secondary marketing.
- At least 1 year of leadership, supervisory, or training experience within a mortgage-related role preferred.
- Strong knowledge of mortgage loan products including Conventional, FHA, VA, and Non-Agency.
- Proficiency in Encompass, Optimal Blue, and investor portals (e.g., Fannie Mae, Freddie Mac, or private investors).
- Excellent analytical skills with strong attention to detail and accuracy.
- Effective written and verbal communication skills; ability to explain complex pricing scenarios clearly.
- Ability to work independently in a fast-paced, deadline-driven environment while managing a team.
- Understanding of interest rate trends, mortgage-backed securities, and loan pricing strategies is a plus.
- Experience managing pricing exceptions or working closely with Secondary Marketing teams.
- Familiarity with hedging strategies and pipeline management tools.
- Strong organizational and documentation skills.
- Knowledge of mortgage compliance requirements including TRID and lock disclosure timing.
Benefits
- Above market salary
- HMO on Day 1 for principal and two dependents
- Government-mandated benefits
- Performance-based Incentives
- Quarterly Company Events
- 1,000 PHP De Minimis
- Equipment and software provided
Originally posted on Himalayas