Mortgage Specialist

Role overview

BMO is looking for a Mortgage Specialist in Sarnia, Ontario, to grow home-financing business, strengthen referral partnerships, and guide customers through the mortgage journey. This position suits someone with an entrepreneurial mindset who enjoys building relationships, creating sales opportunities, and helping customers achieve home ownership.

The role includes industry-focused training and support, along with the opportunity to expand an existing referral network and contribute to business growth through mortgage origination and related banking referrals.

What you will do

• Develop, maintain, and expand referral relationships that generate new mortgage opportunities and help grow the bank’s share of the home-financing market.
• Reach out proactively to referral and origination channels created through national partnerships or local business relationships to discuss mortgage solutions.
• Support targeted marketing efforts, promotions, and other business-development initiatives.
• Look for cross-sell and upsell opportunities and route clients to the branch to support sales and profitability goals.
• Increase the network of potential referral sources by leveraging existing relationships and encouraging new introductions.
• Represent the bank in the community by taking part in trade shows, conferences, and similar events.
• Act as a customer advocate throughout the mortgage application and processing stages.
• Guide customers through mortgage applications, documentation, and processing steps, ensuring a smooth experience.
• Work with branch teams to hand off customers appropriately, complete mortgage paperwork, and connect clients with non-mortgage banking solutions when needed.
• Resolve issues or escalate them when necessary so customer expectations are met and funding happens on time.
• Provide courteous, responsive service and help identify client needs for products such as everyday banking, lending, and investments, referring customers to the right BMO specialists.
• Stay current on customer needs, market trends, best practices, and mortgage-related regulations, policies, and procedures.
• Record updates in internal systems so the team has accurate visibility into customer opportunities, transactions, and issues.
• Analyze information, prepare reports and dashboards, and support operational planning and implementation.
• Carry out routine service requests, transactions, and queries within required service levels while keeping records accurate and complete.
• Use judgment to identify problems, think creatively, and propose practical solutions while working largely on your own.
• Complete all transactions in line with guidelines to protect operational integrity.
• Perform other related duties and broader accountabilities as assigned.

Requirements

• Usually 3 to 5 years of relevant experience, plus a post-secondary degree in a related field, or an equivalent mix of education and experience.
• If the role is credit-qualifiable, the required credit knowledge and qualifications must match the portfolio standards.
• Strong understanding of mortgage lending, including related legal and regulatory obligations.
• Well-developed interpersonal, selling, customer service, and negotiation abilities.
• Advanced capability in self-management, teamwork, relationship sales, and relationship management.
• Working knowledge of personal banking, investments, trust services, business and commercial lending, and cash management.
• Solid awareness of the real estate industry and mortgage market.
• Advanced verbal and written communication skills.
• Strong collaboration, analytical thinking, problem-solving, and influence skills.
• Specialized knowledge gained through education and/or prior business experience.
• Ability to work independently while coordinating with internal and external stakeholders.

Additional information

This is a commission-based role. Pay can vary depending on location, skills, experience, education, and qualifications, and may include commission. For part-time roles, pay would be adjusted based on scheduled hours. In commission roles, the listed amount reflects the expected first-year target compensation.

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

BMO emphasizes an inclusive, equitable, and accessible workplace. Accommodation can be requested for candidates participating in the selection process.

Recruiters should note that BMO only accepts resumes submitted directly by candidates and does not pay placement fees for unsolicited resumes without a valid written agency agreement.

About BMO

BMO’s purpose is to help drive positive change for customers, communities, and employees. The organization supports growth through learning, coaching, manager support, and opportunities to build new skills and experience.