Independence Home Loans · 3 days ago
Lock Desk Analyst
Scottsdale, AZ
Full-time
Onsite
Entry, Mid Level
2+ years expIndependence Home Loans is looking for a detail-oriented Lock Desk Analyst to manage loan pricing, lock activities, and eligibility reviews. This role helps ensure accurate pricing, timely execution, and smooth coordination across Sales, Operations, and Secondary.
Financial Services
Hiring Manager
Javier Carreon
Responsibilities
Publish daily pricing and margins in Optimal Blue / Encompass
Process new locks, relocks, extensions, and renegotiations
Validate eligibility, AUS findings, LLPAs, product fit, and key loan attributes
Coordinate investor lock requests and track turn-times for non-delegated underwriting
Manage lock expirations, pipeline aging, and fallout risk
Review and approve product, loan amount, and borrower attribute changes for pricing impact
Maintain accurate lock data and reconcile investor confirmations
Provide timely responses to pricing scenarios and lock inquiries
Generate pipeline and lock reports; support Secondary with pricing or margin updates
Qualification
Required
2 years of Lock Desk or Secondary experience (correspondent or non-delegated preferred)
Experience with Encompass and Optimal Blue/EPC
Strong understanding of agency/investor guidelines, LLPAs, SRP, and best‑efforts delivery
High accuracy, strong analytical skills, and ability to work in fast-moving markets
Clear, professional written and verbal communication
Company
Independence Home Loans
Independence Home Loans is headquartered in Scottsdale, Arizona. We are focused on being your choice for all your home financing needs.
51-200 employees
Funding
Current Stage
Growth StageCompany data provided by crunchbase