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Senior Client Solution Analyst, Real Estate Banking - Calgary

Calgary, AB
Full Time
Requisition ID: 166166

Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.


Contributes to the overall success of Real Estate Banking, Canadian Business Banking, ensuring specific individual goals, plans, initiatives are executed / delivered in support of the team's business strategies and objectives. Ensures all activities are conducted in compliance with governing regulations, internal policies and procedures.

The Sr. Client Solutions Analyst "Sr. CSA" provides credit and administrative support to the Real Estate Banking team for the development and maintenance of a portfolio of loan and deposit accounts.

He/she assists Relationship Managers with annual reviews, new applications and amendments and ensures that required reports are received and analyzed in accordance with conditions of the loan commitment.

The Sr. CSA reviews all new credits for prefunding conditions, reporting requirements and sets up files and diary system for new and existing credit facilities.

He/she coordinates the completion of all documents required for Global Transaction Banking products and services (i.e. current accounts, RDC, KYC documentation); prepares Cash Secured LC annual reviews, as well as the required Client Net, RA (Pre-Post), and CL if required. Also prepares Client Reference Letters and Discharge Comfort Letters. Follows up and rectifies security defects on BSC Defect List.

  • Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.

  • Working closely with Director and Associate Directors, the Senior Client Solutions Analyst is responsible for providing the following services to a portfolio of existing and prospective clients:

  • New Clients or New Projects: Supporting the collection of information directly from clients and from various sources necessary to assess the client's risk profile in order to ensure the Bank meets its regulatory requirements related to KYC, AML, etc. This includes contacting clients, sourcing internal/external sources/web sites, documenting information in Know Your Client documentation in various formats such as the Client Profile Information documents and responding to various internal Compliance groups.

  • New Credit:
    • Prepare Credit File and ensure all required documents filed.
    • Send CL to client with Grid Notes, etc.
    • BF return of CL.
    • Copy CL and disburse as required (Copy to REC, file, Lawyer, Consultant).
    • Review Commitment Letter and prepare for set-up as required:
    • Commitment Fee Collection
    • Other Services (if required)
    • Standby Fee (input and tracking)
    • Inventory/Sales Spreadsheets including repayment details. BF to follow for P & SAandupdate accordingly
    • Letter of Credit (if required) and follow that completed in timely manner
    • Memo to BSC requesting set up of Loan and BF to ensure done
    • Funding checklist/ Advance documentation
    • Engagement Letter for Solicitor and Consultant and BF to ensure received
    • Review and BF for action/maturity dates
    • Follow with Solicitor on progression of security for first advance

  • Confirm with CRM that conditions have been met and submit communication to REC. BF to receive authorizationin timely manner.
  • BF for advance and ensure all documents required (from our counsel and client) are received prior to funding.
  • Call for sub-search and follow for confirmation of search. Submit advance to BSC.
  • BF with solicitor for security package. Once received send to BSC for recording F28.
  • Follow with BSC for F28 and submit a copy to REC.

  • Prepare and follow the above required process to assist the CRM to complete Annual Reviews/Credit Increases.
  • Once draw report received, prepare advance documents for CRM, follow for draw request from Borrower, verifycleartitle, advance funds through BSC.
  • RecordPaydownsand Disbursements.
  • As closings take place, update closing report, send payment to CAU.
  • Prepare communication to REC to advise when credit repaid and/or cancelled.
  • BF to follow with the client for updated insurance and financial statements.
  • Follow for and provide CRM ODA report, prepare any related communications required and provide to REC.
  • BF for authorization.
  • Follow with Borrower for Sales report/documents and Update Sales report as information is provided.
  • Prepare doc-memo to REC for release of any securityoragreementsneeded to be signed by Bank.
  • Advise BSC when facilities repaid/closed and/or cancelled.
  • Copy and send all communications and/or credits to the required parties (i.e. REC, BSC,etc.) and BF for its return.
  • Prepare Cash Secured LC annual reviews, as well as the required Client net, RA (Pre-Post), and CL if required.
  • Client Reference Letters.
  • Discharge Comfort Letters.
  • Follow up and rectify security defects on BSC Defect List.
  • Liaise with client contacts and assist with their inquiries, if required or unable to be resolved by BSC.

Syndicate Deals
  • Lead - BF Borrowing BA maturity dates, liaise with client, contact GWS, get quote, book BA.
  • Not Lead - BF Borrowing BA maturitydates,wait for GWS advisement, book BA.

  • Legal and Accounting Referrals.
  • MBR Expense Analysis.
  • Team Connection Totals.
  • Annual Review Report.
  • Assist with Salesforce updates.
  • Assist with Dashboard updates.

  • Look for opportunities to make suggestions to continually improve processes and client satisfaction metrics. This may include actioning feedback received directly from clients or through client satisfaction vehicles such as The Pulse

  • Champions and supports a culture of diversity and other initiatives aligned with the Bank strategy.

  • Understands how the Bank's risk appetite and risk culture should be considered in day-to-day activities and decisions.

  • Actively pursues effective and efficient operations of his/her respective areas, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational risk, regulatory compliance risk, AML/ATF risk and conduct risk, including but not limited to responsibilities under the Operational Risk Management Framework, Regulatory Compliance Risk Management Framework, AML/ATF Global Handbook and the Guidelines for Business Conduct.

  • Champions a high-performance environment and contributes to an inclusive work environment.

Primary Manager : Director and Group Lead, Real Estate Banking, Canadian Business Banking

  • The Sr. Client Solutions Analyst will be responsible for supporting approximately 2-3 Directors, in Real Estate Banking, Canadian Business Banking.

  • The clients being serviced are in Canada and generally within the same region although they could have operations across the country as well as in international locations. These clients will be both borrowing (over $25MM) and non-borrowing. Borrowing Clients typically have complex to sophisticated financial solutions.

  • Strong organizational skills are necessary to manage significant data from multiple sources and balance various tasks from client service administration to borrower reporting processing to credit related support.

  • The Sr. Client Solutions Analyst will typically receive requests from the Directors or members of the Credit Execution team but may also at times be requested to support Directors & Group Lead and Vice Presidents in Canadian Business Banking.

  • The Sr. Client Solutions Analyst will interact primarily with the following partners: Global Risk Management, the Business Service Center, Enhanced Due Diligence Unit CRA, Syndication Team and Global Banking and Markets, but could include other partners as well as the Canadian Business Banking Executive Office.

  • The Sr. Client Solutions Analyst will also interact with external parties such as Solicitors, Accountants, Professional Service Providers and External Bank various Groups including Syndication

  • The Sr. Client Solutions Analyst continually works with clients providing service consistent with Scotia Service Standards, Complaint Resolution Standards and Procedures. The Sr. Client Solutions Analyst looks for opportunities to promote the sale of bank product and services.

  • The environment is fast-paced and demanding and will at times require priorities be re-adjusted to accommodate urgent requests

Education :
  • University/College degree with Finance, Accounting or Other Business Specialty background, or equivalent work experience.
  • Commitment to participate in other training requirements as determined by the Bank from time to time.
Skills/Work Experience :
  • Strong commitment to excellent client service and ability to work with clients to resolve issues in an amicable and prompt manner.
  • Strong organizational skills to coordinate and prioritize a number of concurrent requests from different Client Relationship Managers.
  • Strong interpersonal skills to obtain agreements within Canadian Business Banking and partners.
  • Strong written and verbal skills with proven ability to engage stakeholders and clients.
  • Strong knowledge of Onboarding, Know Your Customer, Anti Money Laundering processes.
  • Strong knowledge of Financial Statements and credit analysis.
  • Strong knowledge of credit structures and applicable risk management.
  • Good knowledge of fulfilment processes and roles of partners.
  • Good knowledge of Canadian Business Banking partners and their involvement in servicing clients. Particularly important is knowledge of the Business Service Center, Enhanced Due Diligence Unit (EDDU) and Cash Management teams is important.
  • Good knowledge of Canadian Business Banking structure
  • Thorough knowledge of the applicable software and technology platforms for Canadian Business Banking (e.g., Salesforce, Intralink, Outlook).
  • Good knowledge of the features and benefits of Commercial Banking products and services.
  • Strong knowledge of Microsoft Office applications (in particular Excel).
  • A high degree of flexibility to adapt to a wide variety of tasks.
  • Strong commitment to accuracy, customer focus and results focus

Working Conditions
  • Work in a standard office-based environment; non-standard hours are a common occurrence. No travel.


Location(s): Canada : Alberta : Calgary

Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets.

At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know. If you require technical assistance, please click here . Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.

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