Mortgage Specialist

Role overview

BMO is seeking a Mortgage Specialist in Niagara Falls, Ontario to help customers achieve home ownership while developing a strong pipeline of mortgage business. This position suits someone with an entrepreneurial mindset, a drive for sales growth, and the ability to build long-term referral relationships. The role includes access to training, ongoing support, and referral programs designed to help you reach your potential.

What you will do

• Develop, grow, and manage relationships within a referral network to generate new mortgage opportunities and strengthen the bank’s position in the home financing market.
• Reach out to referral and origination channels through national partnerships or local relationship-building efforts to discuss home financing options.
• Identify sales opportunities and direct them to the appropriate BMO teams or colleagues when needed.
• Support and help roll out marketing campaigns, promotions, and other business-building initiatives.
• Look for cross-sell and upsell opportunities to help meet individual sales and profitability targets.
• Expand the network by encouraging referrals and new business from existing contacts.
• Represent the bank in the community by taking part in trade shows, conferences, and similar events.
• Act as the customer’s advocate during application and processing steps.
• Guide customers through mortgage application and processing activities and help complete onboarding requirements.
• Work with branch teams to hand off customers smoothly, complete mortgage paperwork, and route non-mortgage needs to the right partners.
• Resolve issues or escalate them as needed so customer expectations are met and funds are released on time.
• Provide courteous, professional service and identify other banking needs such as everyday banking, lending, or investments for referral to the right BMO partners.
• Stay current on customer needs, market trends, best practices, and all relevant mortgage regulations, policies, and procedures.
• Handle customer service concerns within established guidelines and escalate complex or recurring issues appropriately.
• Use business understanding and stakeholder needs to develop recommendations and practical solutions.
• Support strategic initiatives with internal and external stakeholders and help determine priorities and execution order.
• Perform independent analysis to address strategic issues and provide insights from data.
• Prepare and format regular and ad hoc reports and dashboards, and keep internal records updated on customer opportunities, transactions, and issues.
• Carry out routine service tasks and transactions in line with service-level expectations while maintaining accuracy and completeness.
• Take a thoughtful, risk-aware approach in line with BMO’s risk framework, policies, laws, and regulations.

Qualifications

• Usually 3 to 5 years of relevant experience, along with a post-secondary degree in a related field or an equivalent mix of education and work experience.
• For credit-qualifiable roles, the necessary credit knowledge and qualifications aligned to portfolio standards are required.
• Solid understanding of the mortgage lending process and the regulations that apply to it.
• Strong ability in interpersonal communication, sales, customer service, and negotiation.
• Well-developed skills in self-management, teamwork, personal lending, and relationship-based sales and account management.
• Working knowledge of personal banking, investments, trust services, business and commercial lending, and cash management.
• Good understanding of the broader real estate sector and mortgage market.
• Strong verbal and written communication skills.
• Strong collaboration, analytical, problem-solving, and influencing skills.

Compensation and benefits

This is a commission-based position. The listed pay range reflects BMO Financial Group’s expected target for the first year in the role, and actual earnings may differ based on location, skills, experience, education, and qualifications. Part-time compensation would be prorated by hours worked, though this role is full-time.

BMO’s total rewards package may include performance incentives, discretionary bonuses, health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans.

About BMO

BMO is focused on creating positive change for customers, communities, and employees through growth, innovation, and collaboration. The organization emphasizes development, support, and opportunities to make an impact from the start.

Additional information

BMO is committed to an inclusive, equitable, and accessible workplace. Accommodation is available on request for candidates taking part in all stages of the selection process. Unsolicited resumes from agencies or other sources are not accepted unless a valid written and fully executed agency agreement is already in place.