Lock Desk Analyst – U.S. Mortgage

About the role

QC Verify Private Limited is hiring a Lock Desk Analyst – U.S. Mortgage at Infopark Phase 2, Kochi. The role manages mortgage rate lock requests, pricing, lock changes, extensions, relocks and cancellations according to company policies, investor guidelines and market pricing, coordinating with Loan Officers, Loan Processors, Secondary Marketing and investors. Shift time is 7:30pm to 4:30am IST.

Responsibilities

• Process rate lock requests from Loan Officers and Loan Processors; verify loan details (amount, program, interest rate, LTV, FICO, occupancy, property type, lock period); ensure eligibility and compliance; process new locks, changes, extensions, relocks and cancellations on time.
• Download and review daily investor rate sheets; upload and maintain rate sheets and pricing data in the pricing engine; compare investor pricing with internal systems; calculate and verify final pricing.
• Review and process lock extensions, relocks and pricing exceptions; calculate extension fees, relock fees and pricing adjustments; process pricing concessions only after required approvals.
• Review investor guidelines and product eligibility before processing lock requests; confirm product availability; coordinate with investor representatives to resolve pricing, eligibility and lock issues.
• Respond to inquiries from internal teams, explain pricing differences, lock rejections and fees; follow up on pending lock requests and escalate complex concerns.
• Maintain accurate records of lock requests, confirmations, extensions, relocks and cancellations; prepare daily or periodic reports on lock activity and pricing issues.

What you’ll need

• A Bachelor's degree in Finance, Accounting, Business Administration, or a related field is preferred.
• At least 1 year of experience in U.S. mortgage operations, Secondary Marketing, or mortgage rate lock desk operations is preferred.
• Knowledge of mortgage pricing, rate locks, extensions, relocks, cancellations and Conventional, FHA, VA, USDA and applicable Non-QM products is required.
• Excel, Microsoft Office and pricing analysis skills.
• Strong analytical, numerical, problem-solving and communication skills, attention to detail, and the ability to manage multiple requests under tight deadlines.
• Must be available to work according to U.S. mortgage business hours (shift 7:30pm to 4:30am IST).

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field (preferred)

How to apply

Share your updated resume with [email protected].

Original job listing

Job details checked on 14 October 2026. Check the linked listing for the latest application details.