Mortgage Capital Markets Analyst/ Lock Desk

Capital Markets Analyst – Lock Desk

Lake Forest, CA | 100% In-Office
$65,000–$85,000 DOE

We are seeking a Capital Markets Analyst – Lock Desk to support our Capital Markets and Secondary Marketing teams. This is an administrative and analytical role requiring strong mortgage industry knowledge and intermediate-to-advanced Excel skills.

The ideal candidate has experience in Capital Markets, Secondary Marketing, Mortgage Pricing, or a Lock Desk and is comfortable working with loan data, pricing, reporting, and spreadsheets.

Responsibilities

• Create and maintain QM and Non-QM rate sheets.
• Support mortgage pricing and pricing systems, including Optimal Blue.
• Assist with pricing analysis, margin management, and reconciliation.
• Prepare daily, weekly, and monthly Capital Markets reports.
• Support Agency and Non-QM loan execution.
• Analyze loan and pricing data using Excel.
• Build and maintain spreadsheets using formulas, PivotTables, and VBA/macros.
• Research pricing discrepancies and assist with process improvements.
• Support Sales, Operations, Underwriting, and Post Closing with pricing-related questions.
• Perform ad hoc reporting and analysis.

Qualifications

• 2+ years of mortgage experience in Capital Markets, Secondary Marketing, Mortgage Pricing, or Lock Desk.
• Experience with Agency and/or Non-QM mortgages.
• Intermediate-to-advanced Microsoft Excel skills, including formulas, PivotTables, and VBA/macros.
• Experience with Encompass.
• Strong analytical skills and attention to detail.
• Experience with Optimal Blue or MCT is a plus.
• Bachelor's degree in Finance, Business, Economics, or related field is preferred but not required.

If you are a mortgage professional who is highly skilled in Excel and enjoys working with pricing, data, and reporting, we'd like to hear from you.

100% in-office position in Lake Forest, CA.

Our Company theLender was created to make a difference. As a group of proven industry leaders who founded one of the largest and fastest growing Wholesale mortgage companies in the United States, we aim to change the stagnant landscape of Wholesale mortgage – one partnership, one loan, and one day at a time.