Lock Desk & Secondary Marketing Analyst

Valon Mortgage

5d

About The Position

As Valon’s Lock Desk & Secondary Marketing Analyst, you’ll sit at the center of a fast-growing, consumer-direct mortgage lender. You will own the core processes that keep our rate locks accurate, our pipeline moving, and our pricing disciplined—partnering closely with Loan Officers, Secondary Marketing, and Capital Markets. Your work will protect revenue, reduce risk, and strengthen the operational backbone of Valon’s lending platform, with the opportunity to take on broader responsibility as loan volume and the complexity of our pipeline continue to grow. You bring strong analytical skills, attention to detail, and an interest in how markets, interest rates, and pricing decisions drive the economics of a lending business. In this role, you’ll develop a front-line view into how lock strategy, extensions, and pricing decisions impact margin, pull-through, and pipeline risk—supporting disciplined execution in our secondary and capital markets functions. Over time, you’ll deepen your understanding of mortgage capital markets and have the opportunity to grow into more advanced analytics, pricing, or loan sale responsibilities within a modern, technology-driven lending operation.

Requirements

• 2+ years of professional experience in financial services, lending operations, capital markets, or another analytical, process-driven environment OR a bachelor’s degree in Business, Finance, Economics, Accounting, Mathematics, or a related field.
• Comfort working with numbers, interest rates, and spreadsheets (Excel/Google Sheets), with the ability to interpret and reconcile numeric data accurately.
• Strong attention to detail and organizational skills, with the ability to manage a high volume of time-sensitive tasks while maintaining accuracy.
• Clear written and verbal communication skills, with the ability to work effectively with Loan Officers, operations, and secondary/capital markets teammates.
• Self-starter who takes ownership, asks thoughtful questions, and operates well in a fast-paced, evolving environment.
• Minimum education requirement: High school diploma or GED equivalent required.

Nice To Haves

• Early-career professional with experience or internships in finance, capital markets, lending operations, or another analytical, process-driven role.
• Bachelor’s degree in Finance, Economics, Business, Mathematics, or a related field, or equivalent practical experience.
• Strong analytical and quantitative skills, with high comfort working in spreadsheets (Excel/Sheets) and with numerical detail.
• Demonstrated attention to detail and accuracy in a fast-paced, deadline-driven environment.
• Genuine interest in mortgage lending, interest rates, and how pricing and pipeline decisions impact the economics of a lending business.
• Familiarity with operational systems (e.g., CRM, LOS, trading or pricing tools) and enthusiasm for learning new technology; prior exposure to lock desk or secondary marketing workflows is a plus, not a requirement.
• Clear written and verbal communication skills, with the ability to partner effectively with sales, operations, and other stakeholders.
• Track record of taking ownership of recurring workflows while also suggesting improvements to make processes more efficient over time.
• Self-starter mindset with a high sense of responsibility, curiosity, and willingness to grow into broader secondary marketing or capital markets responsibilities as the business scales.

Responsibilities

• Manage the daily rate lock workflow by processing initial lock requests, changes, and extensions in Valon’s LOS, pricing tools, and investor portals in line with lock policies and investor guidelines.
• Monitor internal and investor lock expiration reports to identify upcoming expirations, proactively notify Loan Officers and LO managers, and coordinate appropriate actions to minimize fallout and extension costs.
• Track and manage items in the secondary marketing task dashboard, ensuring lock-related tasks are prioritized, assigned, and completed within established turnaround times.
• Lock loans and submit updates with specific investors, ensuring accurate pricing, product selection, and terms based on investor programs and documentation.
• Review and route lock extension requests, coordinating with the Secondary Marketing Manager to determine whether extensions are appropriate, whether fees apply, and ensuring timely updates with investors.
• Intake, log, and route pricing exception requests; support the review and documentation of decisions, and communicate outcomes back to sales in a clear and consistent manner.
• Update and maintain accurate records of all locks, changes, and extensions; assist with periodic reconciliations between internal systems and investor confirmations.
• Support preparation and distribution of recurring reports and dashboards related to lock activity, pipeline exposure, and key secondary metrics.
• Serve as a first-line point of contact for basic lock and pricing questions from Loan Officers, escalating complex or nuanced scenarios to the Secondary Marketing Manager as needed.
• Contribute to continuous improvement by documenting procedures, identifying recurring issues or bottlenecks, and suggesting process or tooling enhancements.
• Other duties as assigned.

Benefits

• Compensation: competitive salary and 401 (k) plan
• Health & well-being: we’ll invest in your physical and mental well-being with comprehensive medical, dental, & vision benefits
• Commuter benefits: We offer pre-tax deductions for public transportation, rideshare services, and parking expenses to make your commute more affordable and convenient.
• Grow together: Company-wide orientation for you to successfully onboard and other learning & development opportunities, including regular review cycles that feature 360-degree feedback
• Generous time off: 17 days paid time off, sick days, and 11 company holidays
• Baby bonding time!: 12 weeks off for both birthing and non-birthing parents - fully paid, so you can focus your energy on your newest addition

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED