Lock Desk/Secondary

Apply Description SNMC is seeking a Lock Desk/Secondary Analyst who thrives at the intersection of analytics, decision-making, and mortgage operations. This role is ideal for candidates who are either quantitatively strong (math, finance, analytics mindset) or bring hands-on mortgage pricing / secondary market experience. You will be a key contributor to our capital markets execution, serving as the operational and analytical link between our production teams and Secondary Marketing. This position plays a direct role in managing pricing accuracy, lock policy integrity, and pipeline risk. This is a fast-paced, high-visibility role for someone who enjoys problem solving, numbers, and being trusted to make sound decisions. What You'll Do * Execute rate locks with investors while ensuring accuracy, policy compliance, and optimal execution * Manage re-locks, extensions, lock changes, and cancellations, balancing service and margin protection * Serve as a pricing resource for Loan Originators in complex or time-sensitive scenarios * Enforce and interpret rate lock policies to maintain operational discipline and risk control * Act as the primary liaison between Production and Secondary Marketing * Monitor pipeline activity and help maintain pricing integrity across the company * Respond to inquiries with urgency and professionalism in a deadline-driven environment * Contribute to a culture that values accountability, responsiveness, and teamwork Requirements What Makes Someone Successful in This Role This position is well suited for individuals who: * Naturally think in terms of numbers, risk, and tradeoffs * Stay calm under time pressure while making accurate decisions * Enjoy solving pricing or policy puzzles * Are highly detail-oriented but also understand the broader business impact * Can balance service mindset with sound judgment Core Qualifications: * Strong mathematical and analytical aptitude * Critical thinker with strong problem-solving ability * High proficiency in Microsoft Excel (formulas, data analysis, logical thinking) * Professional communication skills across departments * Ability to manage multiple priorities in a fast-moving environment * Self-starter who takes ownership of outcomes Preferred Background We welcome candidates from either of these profiles: Mortgage Experience Track * 1+ year Lock Desk, pricing, or secondary marketing experience or * 3+ years broader mortgage operations experience * Familiarity with rate lock mechanics and secondary market execution Analytical / Quantitative Track * Bachelor's degree in Finance, Economics, Math, Business Analytics, or similar field * Strong academic or practical foundation in numbers and data-driven decisions Additional Plus Factors * Experience with Polly and Encompass * Working knowledge of the secondary mortgage market * Prior exposure to capital markets, trading, pricing, or risk management environments Physical Requirements: * Ability to safely and successfully perform the essential job functions consistent with the ADA, FMLA and other federal, state and local standards, including meeting qualitative and/or quantitative productivity standards. * Ability to maintain regular, punctual attendance consistent with the ADA, FMLA and other federal, state and local standards. * Must be able to occasionally lift and carry up to 15 lbs. * Must be able to talk, listen and speak clearly on telephone. * Must be able to sit for prolonged periods at a desk, while working on a computer.

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