Lock Desk Specialist

At Nicolet National Bank, our culture is based on the principles of community banking, putting the needs of our customers at the forefront of our decision-making. Our Core Values drive everything we do, and we are committed to serving our customers with excellence. We believe that every job in our organization is critical to our success, and we are dedicated to creating a work environment where our employes feel valued, respected, and supported. With locations in Wisconsin, Michigan, and Minnesota, we are proud to service our local communities and make a positive impact on the lives of our customers. At Nicolet National Bank, we believe that our people are our most valuable asset, and we are committed to investing in their growth and development.
The primary responsibility for this position will be to support the Lock Desk by reviewing rate locks, validating current locks, completing change requests, and handling extensions, while adhering to and enforcing rate lock policies. Works closely with the Pricing Manager, the Post Closing Departments, and other teams to help develop and implement pricing and product strategies designed to meet the overall goals.
As a Lock Desk Specialist, you will:

• Process new rate lock requests as submitted by loan officers through Encompass.
• Process rate lock extensions and other changes to loan characteristics and ensures any pricing considerations are addressed.
• Ensures pricing for all locks is correctly recorded in system.
• Performs data entry for all mandatory loan sales and updates investor information (commitment number, investor loan number, delivery date, pricing, etc.).
• Utilizes information in Encompass to assist loan officers in selecting appropriate product and pricing.
• Monitors rate lock expirations on loans and keep communication open with loan officers.
• Assists post-closing department with any revisions to locks necessary to facilitate getting loans purchased.
• Assist in requesting funds for closed loans through investors.
• Participate in department and vendor meetings, in person and remote, to gain important understanding into the operation and updates used to perform duties.
• Perform the job in accordance with applicable industry laws and regulations as well as the policies and procedures established by the company.

Qualifications

• High school diploma or equivalent required; Some college preferred.
• Excellent organizational and customer service skills.
• Must be willing to work in a fast paced, high level environment.
• Must be able to determine priorities, and make decisive quick decisions.
• Prior Experience with Encompass is preferred.
• Advanced analytical skills with an enhanced background and understanding of the mortgage business preferred.

The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities and skills required for the position.
Equal Opportunity Employer/Veterans/Disabled