The Lock Desk Analyst I supports mortgage related business strategies. Within this role, you will be responsible for day-to-day management of locking mortgage loan rates as a part of our mortgage banking operation. Accurately register and record rate lock information, understand and relay investor policies and to thoroughly comprehend and convey the pricing for all mortgage products while maintaining a customer service focus in an extremely fast, multi-tasking, and deadline driven environment.
What You'll Do
- Completely review, process, lock, extend, and revise mortgage loan rate lock requests submitted by mortgage loan officers or operations team members
- Evaluate and confirm pricing upon receipt, on each lock request to ensure accuracy and best execution
- Analyze and resolve associated operational issues associated with rate lock mismatches
- Process and record rate lock modifications making certain the pricing is exact, and falls within the investor's guideline parameters
- Work as a team with sales, processing, underwriting, closing, correspondent counter parties and management to ensure the loans in your pipeline are sold quickly with attention to detail, accuracy, and within compliance of corporate policies and RESPA
- Perform other duties as assigned
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Sound Like You?
You might be just who we're looking for if you have
- Bachelor's Degree in Finance, Economics or Business related field preferred; or 1-3 years related experience and/or training; or equivalent combination of education and experience
- Computer competency
- Excellent telephone, communication (oral and written), interpersonal and organizational skills
- Ability to work well with a team environment and take constructive criticism, coaching and feedback on a consistent basis
- Ability to multitask, prioritize, and manage large volume of new loan locks with strong attention to detail
- Mortgage experience preferred but not required. Experience with pricing/registration is optimal
- Working knowledge of FNMA, FHLMC and other investor lending guidelines a plus
- Encompass 360 Banker Edition (Preferred)
- Optimal Blue experience (Preferred)
FLSA Status: Non-Exempt
This position is considered a non-exempt position for purposes of wage-hour law, which means that you will be required to keep a time record and will be eligible for overtime pay.
Essential Functions:
Successful job applicants will be able to perform these functions. Reasonable accommodations will be made to enable individuals with disabilities to perform the essential functions.
- Remote opportunities available
- Report to Division/Corporate Office/Community daily and adhere to schedule
- Ability to access, input, and retrieve information from a computer and/or electronic device
- Ability to have face to face conversations with customers, co-workers and higher level manager
- Ability to sit or stand for long periods of time and move around work environment as needed
- Ability to operate a motor vehicle if applicable
- Comply with company policies and procedure
Physical Demands:
- Must be able to able to remain in a stationary position up to 50% of the time
- The ability to frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds
*Taylor Morrison experience and/or successful completion of training program may override required education and/or experience requirement.
Job descriptions are not intended as, nor should be construed to be, exhaustive lists of all responsibilities, skills, efforts, or working conditions associated with a job. They are intended to be accurate reflections of those principal job duties and responsibilities essential for making fair pay decisions about the job.
Taylor Morrison is an equal opportunity employer. Taylor Morrison does not discriminate against any candidate or employee on the basis of race, national origin, sex, marital status, sexual orientation, age, disability, religion or veteran status.
Must reside in one of the following states: AZ, CO, FL, GA, KY, NV, NJ, NC, OR, PA, SC, TN, TX, WA, WV