Multiply

Analyst

• 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, based on borrower and collateral qualifying criteria.
• Identify and flag potential guideline issues, documentation gaps, and credit policy exceptions early in the process to reduce rework and underwriting touches.
• Support new product rollouts by learning program nuances and serving as a front-line resource on specialty programs (e.g., DSCR, bank statement, asset depletion, jumbo).
• Assist in creating and maintaining searchable FAQs, job aids, guideline matrices, and scenario desk reference materials for production and operations teams.
• Process rate lock requests, re-locks, changes, and cancellations timely and in accordance with company policy, investor guidelines, and secondary marketing directives.
• Utilize both our LOS and Investor Portals to ensure rate locks are consistent within both systems.
• Verify pricing, loan-level price adjustments (LLPAs), and lock terms for accuracy prior to locking loans. Reach out to the appropriate loan originator for any corrections or clarifications needed prior to lock.
• Monitor loans approaching lock expiration and proactively coordinate with production/ops on extension, re-lock, or cancellation decisions, including loans funded but not yet purchased by an investor.
• Assist with daily rate accuracy, pricing updates, and system maintenance to ensure accurate loan program and investor pricing availability in the LOS/PPE.
• Approve, deny, or escalate price exceptions based on company policies.
• Build and maintain reporting on pipeline lock details to support accurate forecasting, pipeline reviews, and minimize costs associated with inaccurate or expiring locks and pricing policies not followed by loan originators.
• Help reduce pricing and eligibility defects by validating program selection, lock terms, and key data points that impact salability and profitability.
• Collaborate with Product Lead on recommendations for automation of loan scenario guidance and lock management to improve consistency, controls, and efficiencies.
• Ensure all scenarios and lock actions comply with agency, investor, and internal credit policies, as well as applicable regulatory requirements.

Lock & Scenario Analyst