• Job Description

  Req#: 2776
  Who We Are:
  
  Cardinal Financial is a nationwide direct mortgage lender that focuses on creating solutions for our borrowers, partners, and employees-to provide the very best experience. We are genuine and hard-working individuals who are not scared to improve and intentionally push beyond what is considered "good enough"
  
  Looking to join a growing company that values its people, innovates and expands on its proprietary technology? Apply below!
  Who We Need:
  
  The Lock Desk Analyst I will be responsible for day-to-day management of locking mortgage loan rates as a part of our mortgage operation. As a Lock Desk Analyst I, your primary responsibilities will be to 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 Will Do:
  
  • Completely review, process, lock, extend, and revise mortgage loan rate lock requests submitted by mortgage loan officers or operations team members.
  • Analyze and resolve associated operational issues associated with rate lock mismatches.
  • Provide firm guidance and support to the loan origination staff, allowing them to focus on customer contact and analysis of new transactions.
  • 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 counterparties, and management to support pricing and loan eligibility, and maintain compliance with corporate policies and RESPA through strong attention to detail and accuracy.
  • Monitor and report on locked pipeline activity (ie. lock expiration dates, etc).
  • Research pricing requests and work with the Pricing Desk team on loan-level pricing exceptions.
  • Assist Secondary Marketing Management with adjustments and suggested modifications to pricing engine.
  What You Need:
  
  • Bachelor's degree required.
  • Minimum of 2 years of mortgage experience preferred, preferably with pricing/registration experience.
  • High attention to detail and effective problem-solving skills.
  • Ability to multi-task in a fast-paced and often stressful environment.
  • Must accept coaching and constructive criticism regarding best practices and designated organizational scripts.
  • Must have excellent organization and verbal and written communication skills.
  • Must have analytical thinking ability, diplomacy and professionalism.
  • Work well with other team members and leaders including colleagues, correspondent counterparties, vendors and members of the leadership team.
  • Must possess proficient computer skills in applications including but not limited to Excel, Word, Encompass or similar LOS system.
  • Foundational knowledge of agency and federal loan program guidelines.
  • Maintain a personal commitment to quality, service, and internal growth within the company.
  What We Offer:
  
  • Strength, Stability, and Vision
  • Great compensation package
  • Opportunity for career growth
  • A commitment to be a relevant market leader - we are aiming for the top!
  • Octane, our engineered proprietary technology that is transforming the mortgage industry
  • An empowered culture where your ideas are important and your voice matters
  • Full Benefits, beginning the first day of the month following your start date, including - Medical, Dental, Vision, Life, Disability Insurance, and much more
  • Generous paid time off package that also includes all major holidays
  • 401K w/ 50% match - Beginning the 1st of the month following 30 days of employment
  
  Cardinal Financial is an Equal Opportunity Employer. We respect and aim to empower individuals and support the diverse cultures, perspectives, skills and experiences within our workforce. California residents click here to review Cardinal's California Employee Privacy Policy & Notice at Collection. The expected base salary for this position ranges from thirty eight thousand dollars to fifty seven thousand dollars, determined based on the applicant's experience, skillset, education, training, certificates, and licenses.

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