Senior Mortgage Banker – Non-network

BMO

. Cultivate, build, and manage referral-network relationships to develop mortgage business and increase BMO’s home-financing market share .

Posted 10/22/2026full-timeRemote • California • United StatesSenior💰 $45,000 - $95,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in mortgage lending processes, regulatory compliance, and relationship management while effectively executing marketing and sales initiatives to drive business growth. Possesses strong analytical, communication, and problem-solving skills to support customer advocacy and operational excellence.

Highest-signal resume keywords

Mortgage Lending ProcessRegulatory ComplianceSales and Customer Service SkillsRelationship ManagementAnalytical and Problem-Solving Skills

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

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

Hard Skills

Mortgage Products KnowledgeCredit QualificationsData AnalysisDocumentation ManagementRisk Management Framework

Soft Skills

Interpersonal SkillsNegotiation SkillsCollaboration SkillsInfluence SkillsCommunication Skills

Tools & Technologies

BMO Internal Systems

Certifications & Qualifications

Federal Registration with Nationwide Mortgage Licensing System and Registry

Industry Keywords

Real Estate IndustryHome-Financing MarketConsumer NeedsCross-SellingUp-Selling

About the role

Key responsibilities & impact

Cultivate, build, and manage referral-network relationships to develop 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
Identify cross-sell and up-sell opportunities and refer non-mortgage needs to branch teams
Expand the referral network and generate mortgage originations
Establish and enhance the Bank’s community presence through trade shows, conferences, and related events
Serve as customer advocate throughout mortgage application and processing
Guide customers through applications, documentation, processing, and funding
Partner with branch teams to hand off customers and finalize mortgage documentation
Resolve or escalate customer service and processing issues
Maintain knowledge of consumer needs, industry trends, mortgage products, best practices, policies, and regulations
Develop solutions and recommendations based on business strategy and stakeholder needs
Support strategic initiatives and operational programs with internal and external stakeholders
Conduct independent analysis and assessment of strategic issues
Liaise with BMO teams and customers to complete home-financing applications
Document updates in BMO 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
Apply BMO’s Risk Management Framework and make risk-informed decisions that protect assets and comply with laws and policies

Requirements

What you’ll need

Typically between 3 - 5 years of relevant experience
Post-secondary degree in related field of study or an equivalent combination of education and experience
Federal registration with the Nationwide Mortgage Licensing System and Registry required
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
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 and life insurance
Retirement savings plans
In-depth training and coaching
Manager support
Network-building opportunities
Reasonable accommodations for individuals with disabilities