Mortgage Specialist

Job Summary

Join BMO and help customers realize their dream of home ownership. In this role you will cultivate, build, and manage a referral network, identify sales opportunities, execute marketing programs, and ensure customers receive exceptional service throughout the mortgage application process.

• Proactively contact referral and origination sources to discuss home financing solutions.
• Assist with targeted marketing programs, promotions, and other initiatives.
• Identify cross­sell and up­sell opportunities to achieve sales and profitability goals.
• Build and enhance the bank’s community presence through trade shows, conferences, and related events.
• Serve as a customer advocate during application and processing activities.
• Complete onboarding activities as required.
• Deliver exceptional customer service that builds trust through expertise, responsive service, and support.
• Guide customers throughout mortgage application and processing activities.
• Partner with branch teams to properly hand off customers, finalize mortgage documentation, and refer customers with non‑mortgage needs.
• Resolve or escalates issues to meet customer expectations and ensure timely funds disbursement.
• Provide customers with professional service when identifying needs for banking products and referring to appropriate BMO partners.
• Stay abreast of consumer needs, industry trends, best practices, and regulatory requirements for mortgage products and services.
• Address customer service issues according to established parameters, escalating persistent or complex matters to senior staff or other departments.
• Develop solutions and make recommendations based on an understanding of business strategy and stakeholder needs.
• Provide advice and guidance on implementation of solutions to the assigned business/group.
• Support the execution of strategic initiatives in collaboration with internal and external stakeholders.
• Help determine business priorities and the best sequence for executing business/group strategy.
• Conduct independent analysis and assessment to resolve strategic issues.
• Liaise with various BMO teams and customers to ensure satisfactory completion and/or fulfillment of the home financing application.
• Document updates in BMO’s internal systems to ensure employees have access to the status of outstanding customer opportunities, transactions, and problems/issues.
• Analyze data and information to provide insights and recommendations.
• Gather and format data into regular and ad‑hoc reports and dashboards.
• Provide input into the planning and implementation of operational programs.
• Execute routine tasks (e.g., service requests, transactions, queries) within relevant service level agreements.
• Organize work information to ensure accuracy and completeness.
• Engage with referral network to create strong relationships that generate referrals and mortgage originations for real estate lending solutions.
• Complete all necessary transactions in compliance with guidelines and other requirements to maintain operational integrity.
• Think creatively and propose new solutions.
• Exercise judgment to identify, diagnose, and solve problems within given rules.
• Work mostly independently.
• Broader work or accountabilities may be assigned as needed.
• Take measured risks while protecting the bank by applying risk management framework and policies.

• Typically between 3 – 5 years of relevant experience and a post‑secondary degree in a related field or an equivalent combination of education and experience.
• For credit‑qualified roles:
  Credit qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards.
• In‑depth understanding of the mortgage lending process and applicable regulatory requirements.
• Strong interpersonal, sales, customer service, and negotiation skills.
• Expert knowledge of 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.
• Verbal and written communication skills – in‑depth.
• Collaboration and team skills – in‑depth.
• Analytical and problem‑solving skills – in‑depth.
• Influence skills – in‑depth.

Pay type:

Commission. The salary represents BMO Financial Group’s expected target for the first year in this position and may vary based on location, skills, experience, education, and qualifications. Salaries for part‑time roles will be pro‑rated. BMO offers a total compensation package that may include performance‑based incentives, discretionary bonuses, and other perks and rewards.

Benefits include health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. For more details of our benefits, please visit: