Next Door Lending is a local mortgage broker servicing 36 states. We are committed to providing excellent customer service and are licensed under NMLS # 1880338. We have access to 40+ lenders across the country, with hundreds of products and offerings! Next Door Lending is a real family looking to build and hire the best talent. JOIN THE NEIGHBORHOOD!

Summary

The Lock Desk & Loan Setup Specialist oversees the accurate and timely registration, pricing, locking, and disclosure of all loans. This role ensures compliance with federal and state regulations, maintains revenue and pricing accuracy, and manages the company’s lock desk and loan setup processes from start to finish. Acting as the central point of contact for loan pricing, registration, and disclosure activities, this position is critical in ensuring operational efficiency, compliance, and profitability.

• Health Insurance/HMO 
• Enjoy unlimited MadMax Coffee
• Diverse learning & growth opportunities
• Accessible Cloud HR platform (Sprout)
• Above standard leaves

Loan Registration & Locking

• Register loans in company systems and lender portals.
• Lock loans according to market movements and company pricing
• strategy.
• Manage lock desk activities, including float considerations and market-based adjustments.

Compliance & Quality Assurance

• Perform quality assurance (QA) and general compliance checks on all loan files.
• Assist with federal and state compliance reviews at a file or audit level.
• Complete and process Changes of Circumstance (CICs) in compliance with regulations.

Pricing & Revenue Management

• Verify and manage company and Loan Officer (LO) pricing and revenue margins.
• Maintain and publish NerdWallet rate sheets via Mortech.
• Manage backend and investor margin settings for optimal profitability.

Disclosures & Fees

• Set up in-house and third-party fees in loan systems.
• Issue disclosure packages within required timelines.
• Ensure disclosure accuracy and compliance with applicable regulations.

Workflow & Communication

• Manage and prioritize the loan setup email inbox.
• Coordinate with closing and funding teams to address compliance and investor requirements.
• Organize and execute daily workflow in alignment with lock and disclosure deadlines.

Systems & Tools Used

• Primary: ARIVE, Cognito, Mortech, multiple lender portals
• Access Level: Full administrative and pricing access across all platforms.

Qualifications:

• 5+ years of mortgage operations experience, with at least 3 years in a lock desk or loan setup leadership role.
• Strong understanding of mortgage pricing, investor guidelines, and secondary market strategies.
• Deep knowledge of federal and state compliance requirements related to loan origination and disclosures.
• Proficiency in ARIVE, Mortech, and major lender portals.
• Experience managing investor margins and backend pricing strategies.
• Previous leadership or training experience in a mortgage operations setting.

Skills & Competencies

• Exceptional attention to detail and accuracy.
• Strong organizational and prioritization skills in a deadline-driven environment.
• Analytical mindset for revenue and margin management.
• Excellent communication and cross-department collaboration skills.
• Ability to manage high-volume workloads while maintaining compliance and quality standards.

• Scanned copy of valid NBI Clearance
• Accomplished Medical or PEME Slip (covered by KMC)
• 2x2 & Half body picture with white background
• Proof of government numbers (TIN, SSS, Pag-ibig, & Philhealth)
• Photocopy of 2 valid IDs – front & back (government-issued)
• Clear copy of your Birth Certificate (PSA or NSO)
• Accomplished HR Forms & Promissory Note (will be provided by KMC’s Onboarding Team

If you're a rockstar at what you do and looking to be a part of our amazing story, we want to hear from you!

We offer attractive salaries and benefits plus you get to work in some of the Philippines' best flexible workspaces. Our employees also get to enjoy exclusive discounts, rewards and freebies, and invites to our monthly events. We are always recruiting for roles in IT & Development, Marketing, Business Administration, HR & Recruitment and Legal & Finance Roles.

KMC provides quality employment opportunities for job-seekers looking for a career that is both challenging and fulfilling. We are also committed to providing equal opportunities at every selection stage. We do not discriminate due to age, gender, sexual orientation, ethnicity, nationality, and religion.

KMC Solutions offers a variety of career opportunities in Metro Manila, Cebu and Clark & Iloilo. We are always looking for talented and enthusiastic individuals who are ready to make their next big career move.

At KMC, we foster an inclusive and positive workplace for all. We push our members to succeed in everything they do through our collaborative work environment. We encourage our community to work hard and reach their full potential while delivering results that matter for our members and you as professionals.

We host amazing and quality events and implement people-centric policies to work flexibly. We ensure that everyone in our expansive network is engaged, from our internal employees and those who work on behalf our offshore partners.

At KMC, we work hard and we are committed to putting our best foot forward in everything we do. Everyone is encouraged to be an individual while also working for the collective good of the KMC Community. We believe mistakes are opportunities and that you should not present a solution without a problem.

We also know when hard work deserves to be recognized so we reward our employees with monthly parties, free trips and much much more!