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Who we are:
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 role:
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. This position follows a hybrid work model and requires in-office attendance 2 days per week.
What you'll do:
- 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.
What you'll need:
- 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
- Microsoft Excel proficiency
- 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
SoFi San Francisco, California, USA Office
Our new headquarters opened in 2019. The office provides an open work environment, an all-hands area, a café, library, coffee points on every floor, and executive conference rooms. The game room and roof-top lounge area provide space to take a break and look at the incredible downtown view.
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