Specialist I – Mortgage Sales, Non Network Banker
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Job Description
Mortgage sales specialist building referral networks and originating home financing business for BMO, a financial services bank. Guiding customers through applications while achieving sales goals.
Responsibilities:
- Cultivate, build, and manage referral-network relationships to generate mortgage business
- Identify sales opportunities and refer customers to appropriate BMO colleagues
- Develop and execute marketing and sales programs, promotions, and initiatives
- Contact referral and origination sources and create local partnerships around home financing solutions
- Pursue cross-sell and up-sell opportunities to achieve sales and profitability goals
- Expand the referral network and obtain mortgage referrals and originations
- Represent BMO at trade shows, conferences, and related events
- Serve as a customer advocate throughout mortgage application and processing
- Guide customers through mortgage application and processing activities
- Partner with branch teams to hand off customers, finalize documentation, and refer non-mortgage needs
- Resolve or escalate issues and ensure timely advancement of funds
- Provide customer service and identify needs for banking products
- Monitor consumer needs, industry trends, best practices, and regulatory requirements
- Develop solutions and recommendations based on business strategy and stakeholder needs
- Support strategic initiatives with internal and external stakeholders
- Conduct independent analysis and resolve strategic issues
- Liaise with BMO teams and customers to complete home financing applications
- Document customer opportunities, transactions, and issues in internal systems
- Analyze data and prepare regular and ad-hoc reports and dashboards
- Execute routine service requests and transactions within service-level agreements
- Complete transactions in compliance with applicable guidelines and requirements
- Make risk-informed decisions aligned with BMO strategy, policies, laws, and regulations
Requirements:
- Typically between 3 - 5 years of relevant experience
- Post-secondary degree in related field of study or an equivalent combination of education and experience
- Credit qualifications and associated credit knowledge and skills according to credit portfolio requirements and qualification standards, if applicable
- In-depth understanding of the mortgage lending process and applicable regulatory requirements
- Strong interpersonal, sales, customer service, and negotiation skills
- Expert knowledge of self-management and teamwork, personal lending, relationship sales and management
- Functional knowledge of personal banking, investments, trust services, business and commercial lending, and cash management
- Strong knowledge of the broader real estate industry and mortgage market
- Specialized knowledge from education and/or business experience
- In-depth verbal and written communication skills
- In-depth collaboration and team skills
- In-depth analytical and problem-solving skills
- In-depth influence skills
- Federal registration with the Nationwide Mortgage Licensing System and Registry required under U.S. regulations
- Criminal background review and credit history evaluation required
- Restrictions on performing in a real estate agent capacity
Benefits:
- Commission structure
- Performance-based incentives
- Discretionary bonuses
- Health insurance
- Tuition reimbursement
- Accident and life insurance
- Retirement savings plans
- In-depth training and coaching
- Manager support
- Network-building opportunities
- Tools and resources to reach new milestones
- Equal employment opportunity
- Reasonable accommodations for individuals with disabilities
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