Mortgage specialist

BMO Financial Group; Airdrie; On-site; CAD 60,000 - 80,000; Full time

Job summary

A leading financial institution is seeking a Mortgage Specialist to help clients achieve home ownership. This role involves developing client relationships, identifying sales opportunities, and providing exceptional service. The ideal candidate will have strong sales and negotiation skills, alongside a deep understanding of the mortgage lending process. With industry-leading training and support, you will have the tools to succeed and grow within the company.

Benefits

Health Insurance

Tuition Reimbursement

Accident Insurance

Life Insurance

Retirement Savings Plans

Qualifications

• 3-5 years of relevant experience in mortgage lending.
• Deep knowledge of the mortgage lending process and regulations.

Responsibilities

• Develop and manage relationships to generate mortgage loan opportunities.
• Communicate proactively with client referral sources.
• Provide exceptional customer service throughout the mortgage process.

Skills

Interpersonal Skills

Sales Skills

Customer Service

Negotiation Skills

Problem-Solving Skills

Education

Post-secondary Education

Job description

Date limite pour présenter sa candidature : 05/30/2025

Adresse : 750 Main Street

Groupe de famille d'emploi : Ventes et service, Services bancaires aux particuliers

Join BMO - imagine the possibilities

Are you looking for a chance to let your entrepreneurial spirit shine and turn potential into performance with great earning possibilities? Becoming a BMO Mortgage Specialist can offer you all that and much more. Expect to fill an important and rewarding role - helping customers make their dream of home ownership a reality. You will be provided with industry-leading training and support and will be able to build your existing referral network with our competitive referral programs to achieve your full potential.

Responsibilities

1. Develop, grow, and manage relationships with sources of client referrals and new requests to generate opportunities for new mortgage loans and increase BMO's market share in home financing.
2. Proactively identify sales opportunities and recommend them to colleagues, if applicable.
3. Design and implement effective marketing and sales programs to drive organizational results.
4. Respect general policies, operational guidelines, and legal and regulatory requirements.
5. Communicate proactively with sources of client referrals and new requests identified through national partnerships and establish local partnerships for discussions on home financing solutions.
6. Assist in implementing targeted marketing programs, promotions, and initiatives.
7. Actively seek cross-selling and upselling opportunities to help the branch meet its sales and profitability objectives.
8. Support the implementation of marketing programs, promotions, and other initiatives.
9. Expand your network by obtaining referrals and new requests from existing relationships.
10. Enhance the bank's presence in the community through participation in trade fairs, conferences, and related activities.
11. Act in the best interest of the client during activities related to loan requests and processing.
12. Perform necessary onboarding activities as needed.
13. Offer exceptional customer service that builds trust through expertise and tailored support.
14. Guide clients throughout the mortgage application and processing activities.
15. Establish and strengthen partnerships with branch teams for proper client handover and identify clients needing other banking products.
16. Resolve or escalate issues to higher levels to meet client expectations and ensure timely disbursement of funds.
17. Provide friendly, courteous, and professional service, responding to inquiries and identifying client needs for banking products, and directing appropriate referrals to BMO partners.
18. Stay informed about client needs, sector trends, best practices, regulatory requirements, and policies related to products and services.
19. Handle customer service issues within established parameters and escalate complex or persistent problems as needed.
20. Develop solutions and make recommendations based on understanding of business strategy and stakeholder needs.
21. Advise and guide the relevant business sector or group regarding the implementation of solutions.
22. Support strategic initiatives in collaboration with internal and external stakeholders.
23. Participate in setting business priorities and implementing sector or group strategies.
24. Conduct independent analyses and assessments to resolve strategic issues.
25. Coordinate with various BMO teams and clients to ensure home financing requests are processed satisfactorily.
26. Document updates in BMO's internal systems to ensure all employees have access to current information on opportunities, transactions, and ongoing issues.
27. Analyze data and information to provide insights and recommendations.
28. Gather data and format it for regular and ad hoc reports and dashboards.
29. Provide feedback on planning and implementing operational programs.
30. Perform routine tasks (e.g., processing service requests, transactions, and inquiries) within relevant service level agreements.
31. Organize information to ensure accuracy and completeness.
32. Collaborate with third parties to establish strong relationships that generate referrals and new mortgage loan requests for clients needing credit solutions.
33. Perform all transactions in accordance with guidelines and other requirements to maintain operational integrity.
34. Possibly focus on a specific business sector or group.
35. Think creatively and propose new solutions.
36. Use judgment to identify issues, determine causes, and resolve them within established limits.
37. Work independently in general.
38. Larger tasks and responsibilities may be assigned as needed.

Qualifications

• Generally three to five years of relevant professional experience with post-secondary education in a related field, or an equivalent combination of education and experience.
• For positions requiring lender qualifications, credit qualifications, and related skills, in accordance with credit portfolio requirements and qualification standards.
• Deep knowledge of the mortgage lending process and applicable regulatory requirements.
• Strong interpersonal, sales, customer service, and negotiation skills.
• Expert knowledge of self-management, teamwork, personal loans, and relationship management.
• Functional knowledge of retail banking services, investments, trust services, small business and corporate loans, and cash management.
• Very good knowledge of the real estate sector and mortgage market.
• Strong negotiation skills.
• Specialized knowledge acquired through education or work experience.
• Excellent oral and written communication skills.
• Skills in collaboration and teamwork.
• Analysis and problem-solving skills.
• Influence capability.

Compensation

Type of remuneration: Commissions

The above represents BMO Financial Group's salary range and type of compensation.

Salaries vary based on factors such as location, skills, experience, education, and qualifications for the role and may include a commission structure. Salaries for part-time roles are prorated based on hours worked. For roles with commissions, the mentioned salary represents BMO's target for the first year.

Total compensation may include performance bonuses, discretionary bonuses, and other benefits and rewards. BMO also offers health insurance, tuition reimbursement, accident insurance, life insurance, and retirement savings plans. For more details on our benefits, visit: https://jobs.bmo.com/ca/fr/R%C3%A9mun%C3%A9ration-globale

About Us

At BMO, we share a common purpose: To have the courage to make a difference in lives and business. This purpose drives us to create positive and lasting change for our clients, communities, and our people. By working together, innovating, and pushing boundaries, we transform lives and businesses and promote economic growth worldwide.

As a member of the BMO team, you are valued, respected, and heard, with more opportunities to progress and succeed. We aim to help you achieve results from day one, for yourself and our clients. We provide tools and resources to help you grow and succeed, as you help our clients do the same. Through comprehensive training, coaching, leadership support, and networking opportunities, we aim to provide a rewarding experience and expand your skill set.

Learn more at https://jobs.bmo.com/ca/fr.

BMO is committed to an inclusive, equitable, and accessible workplace. We learn from our differences and value diverse perspectives. Accommodation measures are available upon request. To request accommodations, please contact your recruiter.

Recruitment note: BMO does not accept unsolicited resumes from any source other than the candidate directly. Any unsolicited resume sent to BMO will be considered BMO's property. BMO will not pay fees for placements resulting from unsolicited resumes. An employment agency must have a valid, signed service agreement before submitting resumes.