Lock Desk Specialist
Rosegate Mortgage, LLC, Charlotte, NC, United States
We're seeking a Lock Desk Specialist who is already an expert in the role-someone who thrives in a fast-paced, detail-oriented environment and is passionate about managing the rate lock process with precision. This role is primarily focused on lock desk responsibilities, with cross-training and secondary support provided to the disclosure team as business needs require.
About Rosegate
Rosegate is a dynamic mortgage originator and master servicer with a growing portfolio of customers. Recognized by The Charlotte Business Journal as a '2025 Best Places to Work' company; we are building a high-performance retention engine to maximize portfolio value through refinance recapture, purchase retention, and customer-for-life strategies. Coupling this with our existing (and growing) retail channel, Rosegate is positioned for exciting growth and opportunities.
Description
Lock Desk Specialist
Location:
on-site in Charlotte, NC with work from home flexibility 1 day per week
SMART. HUNGRY. HONEST.
At Rosegate Mortgage, we don't just process loans-we build relationships, drive innovation, and shape the future of mortgage lending. We're a team that shows up every day with purpose, passion, and integrity. If you're SMART, HUNGRY, and HONEST, you'll feel right at home here.
Position Overview
As a Lock Desk Specialist, you'll play a critical role in managing the daily loan rate lock process, including locking, extending, and re-locking interest rates in accordance with investor and company guidelines. This position is first and foremost a lock desk role. As a secondary responsibility, you will provide support to the disclosure function by assisting with Loan Estimates (LE) and Change of Circumstance (COC) redisclosures when coverage or workflow demands require it. You'll collaborate across teams, maintain compliance with regulatory requirements, and help drive operational excellence.
Key Responsibilities
Rate Lock Management
Manage the daily loan rate lock process, including locking, extending, and re-locking interest rates in accordance with investor guidelines.
Maintain accurate lock desk records and system updates within the LOS to ensure proper tracking and reporting.
Review lock requests for completeness and accuracy before submission.
Monitor lock expiration dates and communicate proactively with internal teams to avoid lock issues or pricing exceptions.
Ensure all lock desk activities remain compliant with regulatory and investor guidelines.
Adhere to Rosegate's lock policy manual and best practices.
Disclosure Support (As-Needed Support Function)
Provide secondary support to the disclosure team by assisting with Loan Estimates (LE) and Change of Circumstance (COC) redisclosures as needed.
Validate fees with third-party providers and ensure data accuracy in the LOS.
Analyze fee changes and issue redisclosures for valid change of circumstance events.
Support coverage and overflow needs for the disclosure team when business demands require additional help.
Compliance & Quality Control
Ensure adherence to TRID, RESPA, and TILA requirements as they relate to both lock desk responsibilities and secondary disclosure support.
Track and monitor lock and disclosure timelines to meet federal, state, and investor regulations.
Maintain detailed documentation and support audits.
Partner with Loan Officers, Processors, Underwriters, Closers, and Disclosure Specialists.
Communicate lock status, pricing issues, and disclosure needs clearly and timely.
Help resolve issues quickly to avoid closing delays.
Provide guidance on lock desk procedures, timelines, and related disclosure requirements.
Documentation of loan exceptions and applicable communication cross-departmentally.
Process Improvement & Reporting
Recommend process enhancements to improve efficiency, accuracy, and team coordination.
Participate in training and generate reports on lock desk activities and secondary disclosure support.
Qualifications
Required
2+ years of experience in mortgage operations, with direct experience in rate lock management.
Strong understanding of mortgage rate lock procedures, pricing, and investor guidelines.
Working knowledge of TRID, RESPA, and TILA regulations.
Proficiency in LOS platforms (e.g., Encompass, LendingPad, Calyx, MeridianLink).
Exceptional attention to detail and communication skills.
Preferred
Associate's or Bachelor's degree in Business, Finance, or related field.
Experience with FHA, VA, Conventional, and Jumbo loan products.
Experience with fee engines and third-party providers (e.g., LodeStar, SmartFees).
Prior experience supporting audits or quality control.
Why Join Rosegate?
We're forward-thinking and growth-oriented.
We believe in empowering our people to lead and innovate.
A chance to make a meaningful impact on clients' financial futures.
You'll be part of a team that's SMART. HUNGRY. HONEST. and proud of it.
Best-in-class technology and digital solutions.
Amazing team culture, endless support, and unlimited career opportunities.
Medical, Dental, and Vision Insurance.
Company-Paid Short-Term Disability & Life Insurance.
Rosegate Mortgage is an equal-opportunity employer. All employment decisions are based on business needs, job requirements, and individual qualifications. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.
Rosegate | NMLS: 2082961 | www.nmlsconsumeraccess.org | Equal Housing Opportunity | Licensed to lend or broker loans in AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MT, NE, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, VT, VA, WA, WV, WI | 13515 Ballantyne Place, Charlotte, NC 28277 | 888-657-6206 |
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About Rosegate
Rosegate is a dynamic mortgage originator and master servicer with a growing portfolio of customers. Recognized by The Charlotte Business Journal as a '2025 Best Places to Work' company; we are building a high-performance retention engine to maximize portfolio value through refinance recapture, purchase retention, and customer-for-life strategies. Coupling this with our existing (and growing) retail channel, Rosegate is positioned for exciting growth and opportunities.
Description
Lock Desk Specialist
Location:
on-site in Charlotte, NC with work from home flexibility 1 day per week
SMART. HUNGRY. HONEST.
At Rosegate Mortgage, we don't just process loans-we build relationships, drive innovation, and shape the future of mortgage lending. We're a team that shows up every day with purpose, passion, and integrity. If you're SMART, HUNGRY, and HONEST, you'll feel right at home here.
Position Overview
As a Lock Desk Specialist, you'll play a critical role in managing the daily loan rate lock process, including locking, extending, and re-locking interest rates in accordance with investor and company guidelines. This position is first and foremost a lock desk role. As a secondary responsibility, you will provide support to the disclosure function by assisting with Loan Estimates (LE) and Change of Circumstance (COC) redisclosures when coverage or workflow demands require it. You'll collaborate across teams, maintain compliance with regulatory requirements, and help drive operational excellence.
Key Responsibilities
Rate Lock Management
Manage the daily loan rate lock process, including locking, extending, and re-locking interest rates in accordance with investor guidelines.
Maintain accurate lock desk records and system updates within the LOS to ensure proper tracking and reporting.
Review lock requests for completeness and accuracy before submission.
Monitor lock expiration dates and communicate proactively with internal teams to avoid lock issues or pricing exceptions.
Ensure all lock desk activities remain compliant with regulatory and investor guidelines.
Adhere to Rosegate's lock policy manual and best practices.
Disclosure Support (As-Needed Support Function)
Provide secondary support to the disclosure team by assisting with Loan Estimates (LE) and Change of Circumstance (COC) redisclosures as needed.
Validate fees with third-party providers and ensure data accuracy in the LOS.
Analyze fee changes and issue redisclosures for valid change of circumstance events.
Support coverage and overflow needs for the disclosure team when business demands require additional help.
Compliance & Quality Control
Ensure adherence to TRID, RESPA, and TILA requirements as they relate to both lock desk responsibilities and secondary disclosure support.
Track and monitor lock and disclosure timelines to meet federal, state, and investor regulations.
Maintain detailed documentation and support audits.
Partner with Loan Officers, Processors, Underwriters, Closers, and Disclosure Specialists.
Communicate lock status, pricing issues, and disclosure needs clearly and timely.
Help resolve issues quickly to avoid closing delays.
Provide guidance on lock desk procedures, timelines, and related disclosure requirements.
Documentation of loan exceptions and applicable communication cross-departmentally.
Process Improvement & Reporting
Recommend process enhancements to improve efficiency, accuracy, and team coordination.
Participate in training and generate reports on lock desk activities and secondary disclosure support.
Qualifications
Required
2+ years of experience in mortgage operations, with direct experience in rate lock management.
Strong understanding of mortgage rate lock procedures, pricing, and investor guidelines.
Working knowledge of TRID, RESPA, and TILA regulations.
Proficiency in LOS platforms (e.g., Encompass, LendingPad, Calyx, MeridianLink).
Exceptional attention to detail and communication skills.
Preferred
Associate's or Bachelor's degree in Business, Finance, or related field.
Experience with FHA, VA, Conventional, and Jumbo loan products.
Experience with fee engines and third-party providers (e.g., LodeStar, SmartFees).
Prior experience supporting audits or quality control.
Why Join Rosegate?
We're forward-thinking and growth-oriented.
We believe in empowering our people to lead and innovate.
A chance to make a meaningful impact on clients' financial futures.
You'll be part of a team that's SMART. HUNGRY. HONEST. and proud of it.
Best-in-class technology and digital solutions.
Amazing team culture, endless support, and unlimited career opportunities.
Medical, Dental, and Vision Insurance.
Company-Paid Short-Term Disability & Life Insurance.
Rosegate Mortgage is an equal-opportunity employer. All employment decisions are based on business needs, job requirements, and individual qualifications. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.
Rosegate | NMLS: 2082961 | www.nmlsconsumeraccess.org | Equal Housing Opportunity | Licensed to lend or broker loans in AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MT, NE, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, VT, VA, WA, WV, WI | 13515 Ballantyne Place, Charlotte, NC 28277 | 888-657-6206 |
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