Independence Home Loans, LLC.

🚀 Now Hiring: Lock Desk Analyst Summary We’re looking for a detail‑oriented Lock Desk Analyst to manage loan pricing, lock activities, and eligibility reviews in alignment with investor guidelines to support revenue integrity and efficient pipeline management. This role helps ensure accurate pricing, timely execution, and smooth coordination across Sales, Operations, and Secondary. Key Responsibilities Publish daily pricing and margins in Optimal Blue / Encompass Process new locks, relocks, extensions, and renegotiations Validate eligibility, AUS findings, LLPAs, product fit, and key loan attributes Coordinate investor lock requests and track turn-times for non-delegated underwriting Manage lock expirations, pipeline aging, and fallout risk Review and approve product, loan amount, and borrower attribute changes for pricing impact Maintain accurate lock data and reconcile investor confirmations Provide timely responses to pricing scenarios and lock inquiries Generate pipeline and lock reports; support Secondary with pricing or margin updates Qualifications 2 years of Lock Desk or Secondary experience (correspondent or non-delegated preferred) Experience with Encompass and Optimal Blue/EPC Strong understanding of agency/investor guidelines, LLPAs, SRP, and best‑efforts delivery High accuracy, strong analytical skills, and ability to work in fast-moving markets Clear, professional written and verbal communication Ready to Make an Impact?! If you excel in accuracy, speed, and supporting revenue-critical functions, we’d love to hear from you. #LI-Remote

Encompass Administrator Summary This role, as Encompass Administrator I, will be primarily be responsible for supporting end-users of ICE Mortgage Technology’s Encompass LOS and the surrounding ecosystem of products and services. Configuration, maintenance and optimization will also all be components of day-to-day activity. The role partners closely with sales, operations, underwriting, secondary, IT and compliance to ensure the system efficiency, user‑friendliness and alignment with business goals. Responsibilities/Qualifications Key Responsibilities - Serve as the primary point of contact for Encompass end users, providing Tier 1 support for questions, issues and enhancement requests. - Troubleshoot user‑reported problems, perform root‑cause analysis and resolve issues promptly to minimize disruption to loan production. - Proactively monitor system performance and user experience, identifying pain points and driving improvements to workflows and configuration. - Develop and maintain user guides, quick‑reference materials and FAQs to help staff use Encompass efficiently and consistently. - Provision and maintenance of user accounts for Encompass and associated platforms for new hires and existing staff. - Translation of feedback from end-users & stakeholders into business requirements for system changes. - Create and maintain Pipeline Views, Dashboards & Reports that drive production, turn times and quality metrics. - Adherence to internal change management protocols to ensure that new features and updates are made in the lowest impact Qualifications - 2+ years of hands‑on experience administering Encompass within a mortgage lender. - Deep knowledge of Encompass settings and their relationship with/impact on each other. - Strong understanding of the mortgage loan process and how end users interact with Encompass and surrounding products at each stage. - Knowledge of the ICE Mortgage Technology Resource Center and it’s available avenues for support. - Excellent communication skills, with an ability to explain technical changes in clear, practical terms. - Demonstrated experience providing direct support to operations teams (sales, processors, underwriters, closers, lock desk, etc). - Proven ability to manage KPIs within a support queue, prioritize requests and balance quick fixes with longer‑term enhancements. - Ability to understand custom field calculations, business rules (including advanced conditions and advanced code) and input forms (including event code). $72,000 - $85,000 a year Salary Range for this role will be $72,000 - $85,000 / Year, based on experience. #LI-Remote

Head of Lock Desk Operations Head of Lock Desk Operations is a senior leadership role responsible for the overall strategy, governance, and performance of the Lock Desk function. This role leads and manages a remote Lock Desk team and ensures scalable, compliant, and efficient lock operations within a best efforts, non‑delegated lending model, where all loans are locked directly on investor websites. The position is heavily management‑oriented, with accountability for people leadership, operational controls, workflow design, and risk management, supported by deep expertise in Optimal Blue and Encompass. Leadership and Team Management - - Lead, manage, and develop a fully remote Lock Desk team - - Establish clear expectations for productivity, coverage, service levels, and accountability - - Define roles, responsibilities, workflows, and escalation paths for team members - - Conduct regular performance reviews, coaching, and professional development - - Drive a culture of urgency, accuracy, ownership, and operational excellence Operational Oversight and Risk Management - - Own end‑to‑end Lock Desk operations with full accountability for accuracy and timeliness - - Ensure all loans are locked directly on investor websites under a best efforts, non‑delegated model - - Implement and enforce controls to minimize lock errors, pricing discrepancies, and fallout risk - - Oversee extensions, relocks, renegotiations, cancellations, and exception handling - - Monitor lock expirations, adherence to investor policies, and overall pipeline exposure Systems, Process, and Controls - - Provide management oversight of pricing and lock activity within Optimal Blue - - Ensure accurate entry, reconciliation, and maintenance of lock data in Encompass LOS - - Develop, document, and maintain Lock Desk policies, procedures, and standard operating workflows - - Identify inefficiencies and implement process improvements to support scalability and growth - - Track and analyze Lock Desk performance metrics, including turnaround times, fallout, and exceptions Required Qualifications - - 5+ years of direct management experience within a Lock Desk environment - - Proven experience leading and managing remote or distributed Lock Desk teams - - Extensive experience operating a best efforts, non‑delegated Lock Desk with direct investor website locking - - Advanced expertise in Optimal Blue for pricing and lock workflow management - - Strong operational and managerial experience with Encompass LOS - - Deep understanding of investor lock policies, extensions, renegotiations, and fallout risk - - Demonstrated success managing high‑volume operations in a fast‑paced environment Core Competencies - - Remote people leadership and accountability - - Operational risk management - - Process discipline and scalability - - Strategic oversight with hands‑on credibility - - High ownership mindset and decisiveness Summary The Head of Lock Desk Operations plays a critical role in safeguarding pricing integrity, operational efficiency, and risk management across the organization. This leader will set the strategic direction for Lock Desk operations while building a high-performing, accountable remote team that consistently delivers accuracy, speed, and compliance in a fast-paced lending environment. With deep expertise in Optimal Blue, Encompass, and investor lock execution, this role offers the opportunity to create scalable processes, strengthen controls, and drive operational excellence that directly supports business growth and customer confidence. #LI-Remote