Usually not for the period set by your non solicit clause, and never using bank records. Clients who find you and reach out on their own are a different matter.
You built the relationships, but the bank owns the records. Most bank employment agreements include a non solicit clause that stops you approaching bank clients for a set period after you leave. Using bank data, from a client list to contact details kept from work, is off limits whatever the clause says.
Clients who find you on their own and reach out are treated differently, and new clients you originate as a broker are yours from the first file.
Read your agreement with a lawyer before you contact anyone. This is general information rather than legal advice.
The conversation is confidential and nothing is said to your employer. Clients you originate as a broker are yours, including the renewal and the referral. The client list you built at the bank stays at the bank, and we will not ask you for it. What we carry is the licensing paperwork, the lender registrations and the first hard files while you learn where they go.
What you can and cannot do with clients, realtors and referral partners.
Your relationships after you leave the bankLeaving a bank mobile mortgage specialist role to become a broker in BC, Alberta or Ontario: licensing, the income model, lender choice and your contract.
Salary, bonus, pension and benefits against commission, split, book value and expenses: the honest economics of moving from the bank to a brokerage.
Nine steps from the bank to a brokered book: licence, brokerage, orientation, plan, network, first file, book, specialty, scale, and the support at each.
Bring your questions to a discovery call and a broker owner will answer them directly.