Multiply Mortgage
Finance
Lock&ScenarioAnalyst
Neural analysis suggests this role is
optimal for Mid candidates.
“Lock & Scenario Analyst at Multiply Mortgage. Skills: Loan structuring, Scenario support, Lock desk functions, Pricing optimization, Rate lock management, Secondary marketing margin protection. Partnering with loan officers and operations to structure and qualify residential mortgage scenarios. Executing daily lock desk functions to optimize pricing, manage rate locks, and protect secondary marketing margins”
What You'll Achieve.
Optimize pricing; Manage rate locks; Protect secondary marketing margins; Reduce rework and underwriting touches; Ensure accurate loan program and investor pricing availability; Minimize costs associated with inaccurate or expiring locks and pricing policies not followed by loan originators; Improve consistency, controls, and efficiencies through automation
Industry & Context.
What They're Looking For.
Must Have
Minimum 5 years of recent residential mortgage experience in underwriting, secondary marketing, lock desk, scenario desk, or originations, familiar with complex loan structures.
Nice to Have
Deep working knowledge of conventional (Fannie/Freddie), FHA, VA, and USDA jumbo and non-QM program experience strongly preferred.
What You'll Do.
Partnering with loan officers and operations to structure and qualify residential mortgage scenarios
Executing daily lock desk functions to optimize pricing
and protect secondary marketing margins
Serving as a primary resource for investor guidelines
Ensuring loans are structured
and locked accurately and in line with investor
Providing guidance on loan structure
and qualification for agency
Recommending viable loan options and structures that meet both guideline and borrower objectives
Identifying and flagging potential guideline issues
and credit policy exceptions
Supporting new product rollouts by learning program nuances and serving as a front-line resource on specialty programs
Assisting in creating and maintaining searchable FAQs
and scenario desk reference materials
Processing rate lock requests
loan-level price adjustments (LLPAs)
and lock terms for accuracy
Monitoring loans approaching lock expiration and coordinating with production/ops on extension
or cancellation decisions
Assisting with daily rate accuracy
and system maintenance
or escalating price exceptions
Building and maintaining reporting on pipeline lock details
Reducing pricing and eligibility defects by validating program selection
Collaborating with Product Lead on recommendations for automation of loan scenario guidance and lock management
How You'll Work.
Team & Collaboration
Partnering with loan officers and operations; Working with sales and operations teams; Collaborating with Product Lead
Communication Scope
Excellent written and verbal communication skills
Full Job Description
ABOUT MULTIPLY MORTGAGE Multiply Mortgage is a technology company and a mortgage company. We pair experienced, local mortgage advisors on our team with technology to deliver a better customer experience. Through our company partnerships channel, we partner directly with companies to offer mortgages as an employee benefit — with exceptional rates, concierge service, and modern software. Our team previously built consumer tech products at Uber, Square, DoorDash, and Google, and we are bringing the customer experience we love from these products to mortgage origination. We’re committed to building technology that enhances, rather than replaces, experienced mortgage loan originators. A mortgage is the largest financial transaction of most Americans’ lives—they deserve an expert advisor to guide them through the process, and technology that makes the experience smoother. Multiply Mortgage is backed by Kleiner Perkins, A*, and Box Group, as well as founders and executives from Ramp, Plaid, Figma, DoorDash, Notion, Instacart, Faire, Flexport, Niantic, Rippling, Iterable, Lattice, Newfront, and more. OPPORTUNITY OVERVIEW The Lock & Scenario Analyst is s a dual-function role responsible for (1) partnering with loan officers and operations to structure and qualify residential mortgage scenarios and (2) executing daily lock desk functions to optimize pricing, manage rate locks, and protect secondary marketing margins. This role serves as a primary resource for investor guidelines, pricing, and lock questions, ensuring loans are structured, priced, and locked accurately and in line with investor, agency, and company policies. HOW YOU WILL CONTRIBUTE: LOAN STRUCTURING & SCENARIO SUPPORT - Serve as the central “scenario desk” resource for loan officers, providing guidance on loan structure, program eligibility, and qualification for agency, government, jumbo, and non-QM products. - Recommend viable loan options and structures that meet both guideline and borrower objectives, base
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