Mortgage Capital Markets Success Through Precise Rate Lock Execution
Mortgage rate lock expertise directly influences pricing accuracy, loan profitability, and lending performance. The Capital Markets Associate | Mortgage Lock Desk ensures accurate rate lock management, mortgage pricing, lock compliance, and pipeline execution across a high-volume lending environment while supporting critical capital markets operations. Through Emapta, unlock a top 1% career experience, global exposure, and long-term growth within the mortgage capital markets sector.
Snapshot
Employment type: Full-time
Shift: Night shift, Weekends off
Salary: PHP 60,000 - PHP 80,000
Work setup: Onsite, Makati
Benefits
- Day 1 HMO coverage with free dependent
- Competitive salary package
- Night differential pay to maximize your earnings
- Prime office location in Makati (easy access to MRT stations, restaurants, and banks)
- Fixed weekends off
- Salary Advance Program through our banking partner (Eligibility and approval subject to bank assessment. Available to account holders with minimum of 6 months company tenure.)
- Unlimited upskilling through Emapta Academy courses (Want to know more Visit: https://emapta.com/training-calendar/)
- Free 24/7 access to our office gyms (Ortigas and Makati) with a free physical fitness trainer!
- Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more!)
- Unlimited opportunities for employee referral incentives across the organization
- Standard government and Emapta benefits
- Total of 20 annual leaves to be used on your own discretion (including 5 credits convertible to cash)
- Fun engagement activities for employees
- Mentorship and exposure to global leaders and teams
- Career growth opportunities
- Diverse and supportive work environment
Qualifications
- Bachelor's degree in Finance, Economics, Business, or a related field.
- 1-3 years of experience in mortgage operations, mortgage banking, loan processing, secondary markets, or a junior lock desk role.
- Hands-on experience with rate locks, lock confirmations, pricing, extensions, relocks, and related lock desk processes.
- Familiarity with mortgage loan pricing, investor guidelines, pipeline management, and rate lock compliance.
- Proficiency in MS Excel, PowerPoint, financial analysis, and reporting tools.
- Experience with mortgage systems, pricing engines, LOS platforms, Bloomberg, Reuters, SQL, Python, R, Tableau, or similar tools is an advantage.
- Strong analytical and quantitative skills with high attention to detail and accuracy.
- Excellent written and verbal communication skills for coordinating with internal teams, lenders, and stakeholders.
- Ability to manage multiple tasks, deadlines, and rate-sensitive requests in a team-oriented environment.
- Strong problem-solving skills, sound judgment, and ability to work in a fast-paced mortgage environment.
- Master's degree or CFA designation is an advantage.
Responsibilities
- Review, process, and maintain mortgage rate lock requests while ensuring accuracy, compliance, and data integrity across mortgage loan pipelines and systems.
- Maintain secure data storage systems and analyze data to identify trends, actionable insights, and opportunities for business improvement.
- Apply statistical and analytical techniques to support forecasting, reporting, KPI tracking, performance measurement, and stakeholder decision-making.
- Build dashboards, prepare reports, and provide regular updates on operational performance, business metrics, and key initiatives.
- Coordinate with loan officers, processors, underwriters, secondary marketing teams, investors, and other stakeholders to resolve lock-related inquiries and ensure efficient transaction flow.
- Collaborate with cross-functional teams to provide analytical support, improve workflows, reporting processes, operational controls, and overall business efficiency.
- Partner with IT and data engineering teams to enhance data processes, reporting capabilities, and system effectiveness.
- Identify, implement, and evaluate data-driven strategies, recommending improvements based on performance outcomes and business needs.
- Stay current with emerging analytics tools, technologies, and industry trends to support continuous improvement and innovation.
- Develop predictive models and leverage machine learning techniques to support forecasting, trend analysis, and operational optimization.
- Perform ad hoc reporting, analysis, operational support, and other duties as assigned.
Join the Top 1% Talent. A better career. A better life.
Welcome to Emapta Philippines: home to professionals who choose growth, balance, and impact. Recognized as one of HR Asia's Best Companies to Work For in Asia 2025 and a finalist in the 2026 Inspiring Workplaces Awards Asia, Emapta offers more than opportunities -- it provides a career environment where people thrive. Collaborate with global teams, build meaningful expertise, and grow in a culture that prioritizes both performance and well-being.
Apply now and experience the difference!
