Mortgage Financing Advisor

BMO Harris Bank; Texas; Hybrid; USD 42,000 - 80,000; Full time

Benefits offered by this job

Health insurance

Tuition reimbursement

Accident and life insurance

Retirement savings plans

Job summary

BMO Harris Bank is seeking a Mortgage Originator to cultivate referral networks, build partnerships, and generate mortgage originations within the retail banking sales & service framework. You will lead discussions on home financing solutions, support marketing initiatives, and drive cross-sell opportunities while maintaining exceptional customer service and regulatory compliance.

The role involves coordinating with branch teams, guiding customers through applications, and delivering responsive

Qualifications

• Typically between 3 - 5 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.
• In-depth understanding of the mortgage lending process and applicable regulatory requirements.
• Strong interpersonal, sales, customer service, and negotiation skills.
• Functional knowledge of personal banking, investments, trust services, business and commercial lending, and cash management.
• Verbal & written communication skills - In-depth.
• Collaboration & team skills - In-depth.
• Analytical and problem solving skills - In-depth.
• Influence skills - In-depth.

Responsibilities

• Proactively contacts referral and origination sources identified through the creation of national partnerships and/or creates local partnerships to lead discussions about home financing solutions.
• Assists with the implementation of targeted marketing programs, promotions, and other initiatives.
• Actively searches for cross-sell and up-sell opportunities for positioning to the branch to achieve individual sales and profitability goals.
• Supports the delivery of targeted marketing programs, promotions, and other initiatives.
• Seeks opportunities to expand network by obtaining referrals and originations from existing relationships.
• Establishes and enhances the Bank's community presence by participating in trade shows, conferences, and related events.
• Serves a customer advocate during application and processing activities.
• Completes onboarding activities as required.
• Delivers exceptional customer service that builds trust through expertise, responsive service, and support.
• Guides customers throughout mortgage application and processing activities.
• Partners with branch teams to properly hand off customers, finalize mortgage documentation, and refer customers with non-mortgage needs.
• Resolves or escalates issues to meet customer expectations and ensures funds are advanced in a timely manner.
• Provides customers with friendly, courteous, and professional service in response to queries and requests to identify client needs for banking products and refer to appropriate BMO partners.
• Stays abreast of consumer needs, industry trends, best practices, and the regulatory requirements, policies, and procedures for mortgage products and services.
• Addresses customer service issues according to established parameters, escalating persistent or complex matters to more senior staff or other departments for resolution.
• Develops solutions and makes recommendations based on an understanding of the business strategy and stakeholder needs.
• Provides advice and guidance to assigned business/group on implementation of solutions.
• Supports the execution of strategic initiatives in collaboration with internal and external stakeholders.
• Helps determine business priorities and best sequence for execution of business / group strategy.
• Conducts independent analysis and assessment to resolve strategic issues.
• Liaises with various BMO teams and customers to ensure satisfactory completion and/or fulfillment of the home financing application.
• Documents updates in BMO's internal systems to ensure employees have access to the status of outstanding customer opportunities, transactions, and problems / issues.
• Analyzes data and information to provide insights and recommendations.
• Gathers and formats data into regular and ad-hoc reports and dashboards.
• Provides input into the planning and implementation of operational programs.
• Executes routine tasks within relevant service level agreements.
• Organizes work information to ensure accuracy and completeness.
• Engages with referral network to create strong relationships that generate referrals and mortgage originations for clients requiring real estate lending solutions.
• Completes all necessary transactions in compliance with guidelines and other requirements to maintain operational integrity.

Skills

Interpersonal skills

Sales skills

Negotiation skills

Customer service

Education

Post-secondary degree

Job description

BMO Harris Bank is seeking a Mortgage Originator to cultivate referral networks, build partnerships, and generate mortgage originations within the retail banking sales & service framework. You will lead discussions on home financing solutions, support marketing initiatives, and drive cross-sell opportunities while maintaining exceptional customer service and regulatory compliance.

The role involves coordinating with branch teams, guiding customers through applications, and delivering responsive