Lock Desk Manager

Why Deephaven Mortgage:

Deephaven was founded in 2012 to provide mortgages to the millions of Americans who, for one reason or another, are unable to qualify for a traditional, government-backed loan. Deephaven champions those mortgage borrowers whose independence, entrepreneurial drive and determination are often the very reason why they can't qualify for a traditional loan. Using ingenuity, supported by common-sense underwriting, we continuously and responsibly innovate new mortgage products and programs that put homeownership within reach of millions of borrowers and investors that need and deserve financing. We offer our loans through a network of 1,000+ independent mortgage brokers. We also buy loans from more than 200+ correspondent partners. Deephaven is headquartered in Charlotte, North Carolina and is owned by Pretium, a highly specialized investment manager focused on real estate, mortgage finance and corporate debt.

Job Overview

The Lock Desk Manager will be responsible for overseeing the company's lock desk including operational functions, team management, escalated pricing issues, pricing engine integrity and pricing concessions. This role combines leadership in lock desk management, problem solving and process improvement. This role requires a deep understanding of the non-QM industry, the ability to lead cross functional teams, and the foresight to drive both long- and short-term business strategies.

What You'll Do

• Manage and grow the rate lock desk team, overseeing all operational and system functions.
  
• Work closely with external pricing vendors to ensure accuracy of product and price offering in multiple pricing engines.
  
• Responsible for managing price concessions and loan level revenue in compliance with company guidelines.
  
• Manage lock updates, extensions and relocks.
  
• Identify and mitigate risks related to the lock desk, ensuring proactive problem-solving across functions.
  
• Lead and mentor a high performing team of analysts, fostering a culture of collaboration, innovation, and accountability
  
• Serve as the point of escalation for critical project or pricing / lock desk related issues, providing clear solutions and direction
  
• Utilize data-driven insights to continually refine rate sheet models and project management frameworks
  
• Establish key performance indicators (KPI's) and metrics to measure success across the lock desk
  
• Identify gaps and implement process improvements to improve efficiency
  
• Develop and maintain lock desk policy and procedures.
  

What We Need

• Bachelor's degree in business, Finance, Economics, or a related field
  
• Minimum of 5 years of experience in the mortgage industry, with at least 2 years in a senior leadership role within the lock desk, pricing, project management, or related functions
  
• Deep understanding of non-QM mortgage products, pricing methodologies, and the broader financial markets
  
• Correspondent and Wholesale channel experience preferred.
  
• Proven track record of leading complex, cross-functional projects in a fast-pace, high growth environment
  
• Strong analytical, problem solving, and decision making skills
  
• Exceptional communication and leadership abilities with experience managing and developing teams
  
• Experience with multiple pricing engines and Ellie Mae Encompass preferred
  

You Are Someone Who

• Strives for accuracy and pays close attention to detail
  
• Enjoys building strong relationships with customers and team-members
  
• Promotes company values while providing optimal customer service
  
• Thrives in a fast-paced environment while embracing change and innovation
  

Our Perks

• Flexible work/life balance with unlimited Responsible Time Off
  
• Competitive base salary
  
• 401(k) plan with an employer match
  
• Health insurance with a generous employer contribution that begins your first day of employment
  
• Amazing company culture
  

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Location: Charlotte, NC, US

Posted Date: 11/21/2024