New

Corporate Lock Desk Specialist

Glacier Bancorp

life insurance, paid time off, 401(k)

United States, Utah, Salt Lake City

Apr 04, 2025

About The Role

Summary

Bancorp's (GBCI) Lock Desk Specialist plays a critical role in the profitability of each real estate loan by being responsive to an ever-changing, unpredictable set of circumstances, such as market movement, volume levels, loan characteristics affecting price, and investor requirements. This position is fast-paced, deadline driven, with a focus on "great data" and offers a variety of tasks throughout the day that will broaden the employee's skill set and provide for potential future possibilities. In-depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance.

This is a Corporate position which may be located at an available bank division location across our eight-state footprint in AZ, CO, ID, MT, NV, UT, WA, or WY. The entry-rate for this position is $23.87 + /hour (calculated for Kalispell, MT)

All compensation offers are analyzed individually and take into consideration multiple factors including but not limited to geographic location, years of experience, and educational background.

Description

Rate Locks: Evaluate, confirm and process pricing upon receipt of each lock, extension or change request and revise as requested or needed; Manage interest rate lock commitments on secondary market investor websites and within the LOS with a focus on ensuring "great data"; Perform audits of vendor profile changes and new locks to ensure accuracy; monitor pipeline for expiring locks; evaluate and process price concession requests and provide weekly reporting for senior management; provide weekly reporting on portfolio exceptions; weekly validation on sold loan purchase advices; enforcing written procedures and lock policy and notifies management of any breach of policy.
Provide detailed reporting in excel and Power BI on pricing and lock volume activity for senior management; perform pricing analysis on new and existing investors; weekly reporting/monitoring of cash window and investor pricing; other reporting as needed by management.
System admin for Pricing Engine; Maintain division margins and markups in the system to ensure accurate pricing is available to production staff, manage eligibility requirements to follow written policies and investor specific extension and change request options; Build custom products to fit division/corporate needs; complete product mapping to the LOS; add and remove users; in-depth research on all pricing inquiries with the ability to explain to production staff; serves as main point of contact for pricing engine questions or issues; attend additional training or webinars related to managing the pricing engine.
Product Knowledge: Strong understanding of agency guidelines and investor overlays; ability to identify and evaluate new loan product Maintain internal intranet page with product guidelines, frequently asked questions, and relevant market information; create and maintain job aids/procedures for production staff; provide training as needed on lock policy, internal procedures, and pricing engine functionality; effectively communicate changes to origination staff in a timely manner.
Division Relationships: Monitor market conditions to proactively alert and alter lock pricing as divisions or corporate require; Ensure loan pricing is within branch division and corporate targets and notify management with any breach of stated policies; provide guidance and market clarity to individual real estate managers; track and maintain changes to division margins and adjustments; work closely with other departments on bank initiatives and projects.
Relationship Management: Assist and collaborate with mortgage loan originators on: individual loan scenarios; interest rate lock quotes and execution; assigning appropriate loan programs/products while maintaining strong relationships with all levels of production staff; Serves as alternate contact to all vendor partners and other external partners in the absence of the department manager; maintains positive relationships with pricing engine vendor and works directly with them to solve issues.
Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Must complete the assigned online training courses and achieve a passing score by due date.

About You

Qualifications
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education

Required/Preferred	Education Level	Description
Required	High School Diploma / GED
Preferred	Bachelor's Degree	Accounting, Business, Finance, or a related field.

Experience

Required/Preferred	Experience Level	Description
Required	1 year	Residential lending experience required.
Required	Beginner Experience	Beginning to Intermediate or higher proficiency using Microsoft Excel and Word.
Preferred	Beginner Experience	Experience using a Pricing and Product Eligibility engine (PPE) and/or Loan Origination System (LOS).
Preferred	Beginner Experience	Secondary marketing / lock desk experience.

Would an equivalent combination of relevant education and work experience be considered?: Yes

License/Certification

Required/Preferred

License/Certification

Description

Required Skills and Abilities

Employee must be trustworthy and possess a significant level of credibility, discretion, and diplomacy.
Employee must be capable of interacting calmly and professionally with a variety of people from diverse backgrounds at various levels within and outside of the organization.
Employee must be a team player with a passion for customer service and a proven ability to build rapport and work effectively with employees at all levels of the organization.
Ability to communicate effectively, verbally and in writing. Ability to understand and follow complex written and oral instructions.
Ability to adapt to change (e.g. shifting priorities, demands, and timelines) through time management, analytical, and problem solving skills.
Ability to work efficiently and accurately while meeting established deadlines.
Ability to serve as a backup for other staff members in a mutually supportive team work environment.
Ability to learn other computer programs and systems in a timely fashion.
Employee must be capable of regular, reliable, and timely attendance.

Additional Requirements

Travel

Occasional travel required: (less than 10 days per year) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities.

Working Conditions

Environment: Indoors, a climate-controlled shared work area.

Noise Level: Minimal noise.

Lifting: Sedentary work: Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.

Vision

Close visual acuity to prepare and analyze data and figures, view a computer terminal, and read the computer screen, printed materials, and handwritten materials.

Physical Activities	Frequency
Balancing: Maintaining body equilibrium to prevent falling and walking, standing or crouching on narrow, slippery, or erratically moving surfaces.	Infrequent - rare.
Climbing: Ascending or descending ladders, stairs, scaffolding, ramps, poles and the like, using feet and legs and/or hands and arms.	Infrequent - rare.
Crawling: Moving about on hands and knees or hands and feet.	Infrequent - rare.
Crouching: Bending the body downward and forward by bending leg and spine.	Infrequent - rare.
Feeling: Perceiving attributes of objects such as size and shape, temperature or texture by touching with skin, particularly that of the fingertips.	Infrequent - rare.
Fingering: Picking, pinching, typing or otherwise working primarily with fingers rather than with the whole hand as in handling.	Daily.
Grasping: Applying pressure to an object with the fingers and palm.	Infrequent - rare.
Kneeling: Bending legs at knee to come to a rest on knee or knees.	Infrequent - rare.
Lifting: Raising objects from a lower to a higher position or moving objects horizontally from position to position.	Occasional - now and then.
Pushing: Using upper extremities to press against something with steady force in order to thrust forward, downward or outward.	Occasional - now and then.
Pulling: Using upper extremities to exert force in order to draw, haul or tug objects in a sustained motion.	Occasional - now and then.
Repetitive Motion: Making substantial movements (motions) of the wrists, hands, and/or fingers.	Daily.
Stooping: Bending body downward and forward by bending spine at the waist.	Infrequent - rare.

What We Offer

COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance, a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a 401(k) retirement savings plan, discounts on banking products and services, Paid Time Off (PTO) and holidays. Visit our website for more details!

COMPANY OVERVIEW: We are a family of banks whose unique local presence reflects the communities we serve. We welcome the opportunity to grow and change as our customers and communities do the same. Read our story, learn about our banks, and experience life at Glacier Bancorp, Inc. all from our website. Check it out!

We are an Equal Opportunity Employer and qualified applicants or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state or local laws.

Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.

No Recruiters or unsolicited agency referrals please.