Lock Desk Analyst

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 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.

• 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.

• 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
• 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

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.

Pay range: $73,600.00 – $

Payment frequency:
Annual

This role is also eligible for a bonus and competitive benefits. More information about our employee benefits can be found in the link above.

To view all of our comprehensive and competitive benefits, visit our Benefits at So Fi page!

SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. This role is subject to applicable laws and regulatory requirements. 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.

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

SoFi is committed to an inclusive culture. 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

Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.

SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, gender identity, national origin, or any other protected characteristics.

SoFi disclaims all liability for any content outside of this job posting. This posting is not a contract of employment.