Demonstrates expertise in mortgage lending processes, regulatory compliance, and relationship management while effectively executing sales strategies and providing exceptional customer service. Strong analytical and problem-solving abilities are essential for identifying opportunities and resolving issues within the mortgage business.

Highest-signal resume keywords

Mortgage Lending ProcessSales Strategy ExecutionCustomer Service ExcellenceRegulatory Compliance KnowledgeRelationship Management

About the role

Key responsibilities & impact

Build and manage referral-network relationships to generate mortgage business and increase BMO’s home-financing market share
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 through national and local partnerships
Pursue cross-sell and up-sell opportunities and referrals from existing relationships
Establish and enhance the Bank’s community presence through trade shows, conferences, and related events
Advocate for and guide customers throughout mortgage applications and processing
Partner with branch teams to hand off customers, finalize mortgage documentation, and refer non-mortgage needs
Resolve or escalate issues and ensure funds are advanced promptly
Provide customer service and identify needs for banking products including everyday banking, lending, and investments
Monitor consumer needs, industry trends, best practices, and mortgage regulatory requirements
Develop solutions and recommendations aligned with business strategy and stakeholder needs
Support strategic initiatives with internal and external stakeholders
Conduct independent analysis to resolve strategic issues
Liaise with BMO teams and customers to complete home-financing applications
Document opportunity, transaction, and issue updates in BMO systems
Analyze data and prepare regular and ad-hoc reports and dashboards
Execute transactions and service requests within service-level agreements and compliance guidelines
Apply BMO’s Risk Management Framework and make risk-informed decisions

Requirements

What you’ll need

Typically 3–5 years of relevant experience
Post-secondary degree in a related field of study or 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 is required for U.S. consumer-loan origination
Criminal background review and credit history evaluation required
Restrictions on performing in a real estate agent capacity

Benefits

Comp & perks

Commission structure
Performance-based incentives
Discretionary bonuses
Health insurance
Tuition reimbursement
Accident insurance
Life insurance
Retirement savings plans
In-depth training and coaching
Manager support
Network-building opportunities
Tools and resources to reach new milestones
Reasonable accommodations for individuals with disabilities

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Credit KnowledgePersonal LendingData AnalysisTransaction ExecutionRisk Management Framework

Soft Skills

Interpersonal SkillsNegotiation SkillsCollaboration SkillsCommunication SkillsProblem-Solving Skills

Tools & Technologies

BMO SystemsDashboardsReporting Tools

Certifications & Qualifications

Federal Registration with Nationwide Mortgage Licensing System

Industry Keywords

Mortgage MarketReal Estate IndustryCommunity PresenceCross-SellingUp-Selling