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BMO

Mortgage Specialist

BMO
Location
Kelowna, BC
Details
Full Time
5 days ago
Address:
1875 Dilworth Drive

Job Family Group:
Retail Banking Sales & Service

At BMO, we are PURPOSEfully different and proud of it. To meet our goal as the fastest growing retail bank in Canada we need a team of passionate Mortgage Specialists who are entrepreneurial minded and excited to grow their business with us. If you are looking to take your career to the next level this is the time to join our team. At BMO we offer a range of new initiatives and exclusive external referral partnerships to help you achieve your very best. You'll get to know our business quickly, working with incredible leadership support to help you realize your maximum earning potential. You will work with a dynamic team where your voice matters and your potential will always be recognized. Our model enables you to deliver your best today while cultivating the local referral relationships that will allow you to thrive tomorrow. The industry is changing and we would love to talk to you about how we are differentiating our value proposition every day.

At BMO you will be rewarded with an industry leading progressive pay for performance compensation structure which includes competitive benefits and bonus opportunities. You will work collaboratively with our credit team to ensure customers are informed of decisions quickly and be a part of a bank with an exciting "open for business" mindset. Together we can boldly grow the good in business and life.

Cultivates, builds, and manages relationships with a third-party network of referral sources to build a pipeline of new mortgage business and increase BMO's share of the home financing market. Actively identifies sales opportunities and refers to BMO colleagues as appropriate. Develops and executes effective marketing and sales programs to drive business results. Adheres to audit, regulatory, and compliance policies and follows all standard processes/procedures.

  • Actively searches for sales opportunities to achieve individual sales and profitability goals.
  • Proactively contacts realtors and referral sources identified through the creation of national partnerships and/or creates local partnerships to lead client and realtor discussions and sell real estate lending products and insurance that meet the Bank's mortgage growth and profitability objectives.
  • Assists with the implementation of targeted marketing programs, promotions, and other initiatives.
  • Seeks opportunities to expand network by obtaining referrals from existing relationships.
  • Establishes and enhances the Bank's community presence by participating in trade shows, conferences, and related events.
  • Serves a customer advocate during application and processing activities.
  • Provides marketing, event coordination, and general administrative support to maintain positive and ongoing contact with their broader referral network.
  • Delivers exceptional customer service that builds trust through expertise, responsive service, and support.
  • Organizes customer appreciation events, seminars, and conference calls.
  • Guides customers throughout mortgage application and processing activities.
  • Partners with branch teams to properly hand off customers to finalize mortgage documentation.
  • Resolves or escalates issues to meet customer expectations and ensures funds are advanced in a timely manner.
  • Identifies client needs for banking products (e.g. everyday banking, lending, and investment) and refers to appropriate BMO partners.
  • Develops solutions and makes recommendations based on an understanding of the business strategy and stakeholder needs.
  • Provides advice and guidance to assigned business/group on implementation of solutions.
  • Supports the execution of strategic initiatives in collaboration with internal and external stakeholders.
  • Helps determine business priorities and best sequence for execution of business / group strategy.
  • Conducts independent analysis and assessment to resolve strategic issues.
  • Liaises with various BMO teams and customers to ensure satisfactory completion and/or fulfillment of the home financing application.
  • Documents updates in BMO's internal systems to ensure employees have access to the status of outstanding customer opportunities, transactions, and problems / issues.
  • Analyzes data and information to provide insights and recommendations.
  • Gathers and formats data into regular and ad-hoc reports and dashboards.
  • Provides input into the planning and implementation of operational programs.
  • Engages with third party realtors, lawyers, and related referral sources to create strong relationships that generate referrals for clients requiring real estate lending solutions.
  • Sells real estate lending and insurance products and identifies and initiates cross-sell opportunities and referrals in the best interest of the customer.
  • Verifies mortgage approvals for compliance with regulatory requirements and operational and credit policies.
  • Participates in projects and other activities designed to improve the customer experience.
  • Liaises between clients and various departments across the organization to discuss issues and procedures, and provides mortgage and insurance product support and expertise.
  • Completes all necessary transactional documentation in compliance with security measures.
  • Ensures adherence to all aspects of First Principles our code of Business Conduct and Ethics which deals with individual accountability as it relates to potential conflicts of interest, safeguarding of client information, trading in securities, anti-money laundering, privacy and disclosure of outside business activities.
  • Acts in accordance with regulatory and compliance requirements that include, but are not limited to, Anti-Money Laundering and Terrorist Financing Reporting requirements, FCAC consumer provision requirements, and Privacy Act provisions in accordance with Bank Policies & Procedures.
  • Follows security and safeguarding procedures and apply appropriate due diligence in accordance with Bank policy for the prevention of loss due to fraud, robbery, counterfeiting, money laundering or defalcation.
  • Protects the Bank's assets by adhering to all everyday banking, business banking, investment and lending regulations (as appropriate), Policies and Procedures, legal and ethical requirements, process requirements and established risk guidelines.
  • Understands risks and takes appropriate actions as they relate to personal banking, deposit and investment products, including all documentation, and any other requirements to maintain operational integrity.
  • Maintains the confidentiality of both customer and Bank information ensuring compliance with Bank Policies & Procedures.
  • Focus may be on a business/group.
  • Thinks creatively and proposes new solutions.
  • Exercises judgment to identify, diagnose, and solve problems within given rules.
  • Works mostly independently.
  • Broader work or accountabilities may be assigned as needed.
    Qualifications:
  • Typically between 3 - 5 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.
  • Basic knowledge of portfolio management and related credit qualification standards, policies, and procedures.
  • 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.
  • Strong negotiation skills.
  • Specialized knowledge from education and/or business experience.
  • Verbal & written communication skills - In-depth.
  • Collaboration & team skills - In-depth.
  • Analytical and problem solving skills - In-depth.
  • Influence skills - In-depth.


Were here to help

At BMO we have a shared purpose; we put the customer at the centre of everything we do helping people is in our DNA. For 200 years we have thought about the futurethe future of our customers, our communities and our people. We help our customers and our communities by working together, innovating and pushing boundaries to bring them our very best every day. Together were changing the way people think about a bank.

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one for yourself and our customers. Well support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, well help you gain valuable experience, and broaden your skillset.

To find out more visit us at https://bmocareers.com .

BMO is committed to an inclusive, equitable and accessible workplace. By learning from each others differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.

Avez-vous ce quil faut pour raliser les rves daccession la proprit de nos clients? Nous sommes la recherche de personnes animes dun esprit dentreprise et dinnovation ainsi que dune passion pour faire crotre leur volume daffaires au sein dune banque qui fait figure de modle en matire dexprience client exceptionnelle et qui sengage soutenir ses employs et les collectivits.

BMO, nos clients sont au cur de tout ce que nous faisons. Aprs tout, largent, cest personnel, et une banque devrait ltre tout autant. Si vous cherchez vous faire un nom dans le secteur des prts hypothcaires et faire avancer votre carrire, BMO offre un ventail de possibilits demploi pour vous aider atteindre votre plein potentiel. Vous apprendrez connatre rapidement notre organisation, obtenant un incroyable soutien de la direction pour vous aider accder au prochain niveau de revenu. Vous travaillerez au sein dune quipe dynamique o vos ides seront entendues et o votre potentiel sera toujours reconnu. Joignez-vous BMO et faites partie dune organisation qui change la faon dont les gens conoivent les services bancaires et o vous aurez loccasion de faire progresser votre carrire ainsi que votre avenir financier. Vous pouvez compter sur nous pour vous aider progresser. ____________________________________________________________________________

Voici ce qui vous attend en tant que spcialiste itinrant - Prts hypothcaires :

  • Recherche proactive doccasions de mener des entretiens sur le financement hypothcaire centrs sur le client, dans le but dattirer de nouveaux clients BMO
  • tablissement et renforcement de la prsence de BMO dans la collectivit
  • Dtermination des tactiques de pointe adopter pour gnrer des indications de clients et crer une filire doccasions de ventes de prts hypothcaires
  • Responsabilit de communiquer de faon proactive avec les sources dindications et les courtiers relevs grce la cration de partenariats nationaux, et de crer des partenariats locaux
  • Coaching spcialis, soutien de la direction et coach en matire doctroi de crdit
  • Soutien de la part de lquipe dapprobation de crdit et de lquipe de transmission hirarchique
  • Accs du soutien en matire de marketing, de vente et de mdias sociaux
  • Rmunration, possibilits de primes et avantages sociaux concurrentiels dans le secteur


Vous devez vouer une passion pour la cration dune exprience client exceptionnelle et possder ce qui suit :

  • Attitude positive et enthousiaste, et aptitudes relationnelles efficaces
  • Excellentes comptences en ngociation et en communication
  • Approche novatrice en ce qui a trait lacquisition de clients
  • Souplesse, capacit de sadapter et envie de travailler dans un environnement en constante volution o les activits se droulent un rythme rapide
  • Exprience en crdit ou volont de perfectionner ses comptences en financement structur
  • Rseau de liaison tabli
  • Connaissance du secteur immobilier en gnral et du march hypothcaire au Canada
  • Aisance en matire de rseautage et talent pour la vente
  • Leadership en matire de changement tre stimul et ouvert explorer de nouvelles faons de faire les choses pour permettre BMO de se distinguer sur le march

Ici, pour vous.

BMO, nous avons un objectif commun : nous plaons le client au cur de tout ce que nous faisons. Aider les gens est la base de notre existence. Depuis 200 ans, nous pensons lavenir : celui de nos clients, de nos collectivits et de nos employs. Nous aidons nos clients et nos collectivits en travaillant ensemble, en innovant et en repoussant les limites afin de faire le maximum pour eux chaque jour. Ensemble, nous changeons la faon dont les gens conoivent une banque.

En tant que membre de lquipe de BMO, vous tes valoris, respect et entendu, et vous avez plus de moyens pour progresser et obtenir des rsultats. Nous nous efforons de vous aider obtenir des rsultats ds le premier jour, pour vous-mme et nos clients. Nous vous offrirons les outils et les ressources dont vous avez besoin pour franchir de nouvelles tapes, car vous aidez nos clients franchir les leurs. Au moyen de formation et de coaching approfondis ainsi que de soutien de la direction et doccasions de rseautage, nous vous aiderons acqurir une exprience enrichissante et largir votre groupe de comptences.

Pour en savoir plus, visitez-nous ladresse https://bmocarrieres.com/ .

BMO sengage offrir un milieu de travail inclusif, quitable et accessible. Nous apprenons de nos diffrences et tirons notre force des gens et de leurs diffrents points de vue. Des mesures dadaptation sont disponibles sur demande pour les candidats qui participent tous les aspects du processus de slection.

We're here to help

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one - for yourself and our customers. We'll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we'll help you gain valuable experience, and broaden your skillset.

To find out more visit us at https://bmocareers.com .

BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other's differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.
Category
Banking, Finance and Insurance Sales and Marketing