Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline
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Mudit Malik

Mudit Malik

Woodbridge,CA

Summary

Results-driven banking professional with 10 years of experience in commercial banking. Specializes in relationship management, credit analysis, and financial services for businesses. Expertise includes managing corporate accounts, facilitating loans, and assessing risk to support clients’ financial goals. Also brings experience in retail banking, offering customer service and managing personal banking products. Proven track record of building strong client relationships, providing tailored financial solutions, and contributing to business growth.

Overview

12
12
years of professional experience
1
1
Certification

Work History

Financial Advisor | Personal & Commercial Banking

RBC Royal Bank
09.2022 - Current
  • Provided personalized financial advice to clients, including account management, loans, mortgages, and investment solutions.
  • Assisted clients in meeting their short and long-term financial goals through tailored banking products.
  • Delivered exceptional customer service, fostering long-term relationships and ensuring high client satisfaction.
  • Collaborated with branch teams to achieve sales targets and drive business growth.
  • Managed complex client inquiries and resolved issues promptly to enhance the overall customer experience.
  • Enhanced organizational performance through strategic initiatives.
  • Delivered more than $13M in revenue through successful sales closures and renewals in FY 2023-24.
  • Awarded the 2024 Q4 Performance Award for outstanding results.
  • Awarded 2023 Q3 Being Bold Performer Reward for exceptional collaboration.
  • Built strong relationships with clients, fostering trust and loyalty in managing their financial portfolios.

Branch Manager | SME Lending

Edelweiss Financial Services
07.2018 - 11.2020
  • Spearheaded acquisition of small and mid-sized commercial accounts.
  • Mentored team on effective sales strategies to consistently achieve targets.
  • Generated credit memos after examining financial statements.
  • Responsible for overall branch operations and profitability.
  • Worked closely with regional credit and sales manager to establish strong brand presence in the assigned territory.
  • Achieved distinction as the outstanding star performer in 2018-19.
  • Secured No. 1 position in cross-sell category among 150+ branches countrywide.

Relationship Manager | Corporate Banking

MUFG Bank
02.2016 - 09.2017
  • Developed, foster, and managed relationships with large corporate clients.
  • Achieved overall business targets on volumes and profitability.
  • Facilitated approval process by presenting credit assessments to committee.
  • Worked alongside credit analyst to address deferrals and other requests, including exceptions, waivers and extensions.
  • Portfolio review and remedial management which included managing exits, line reductions, recovery and restructuring of exposures.
  • Management of stress and critical accounts.
  • Coordinated with trade desk and customer for smooth LC/BG issuance, and for import/export payment, BG invocation, LC payments etc.

Deputy Manager | Emerging Corporate Group

Kotak Mahindra Bank
08.2013 - 02.2016
  • Delivered top-notch business and financial advice enhancing client satisfaction.
  • Engaged frequently with branches to facilitate ECG lead generation.
  • Prepared customer profiling sheet and identified cross sell and revenue increasing opportunities.
  • Documentation pre-disbursement (Doc collection, legal & TSR, Valuation etc.) and post disbursement sign off from customers, including deferral closures.
  • Follow the laid down sales process which involved updating of the regular client calls for both existing and prospective clients and follow-ups.
  • Daily servicing of customer w.r.t. Cheque referrals, customer queries related to Banking, Issuance of Cheque books, managing cash deposition/withdrawal issues, solvency certificates, trade & Fx transaction, etc.

Education

Financial Planning Graduate Certificate -

Seneca College
Toronto, ON
08.2022

Bachelor Of Business Administration -

IP University
New Delhi
06.2013

Skills

  • Portfolio management
  • Cross-selling
  • Credit assessment
  • Commercial lending
  • Coaching and mentoring
  • Team supervision
  • Relationship building and management
  • Branch operations management
  • Credit analysis
  • Financial statement analysis
  • Credit risk
  • Retirement planning

Certification

Canadian Securities Institute

  • Investment Funds in Canada
  • Financial Planning 1
  • Financial Planning 2

Languages

English
Hindi
Punjabi

Timeline

Financial Advisor | Personal & Commercial Banking

RBC Royal Bank
09.2022 - Current

Branch Manager | SME Lending

Edelweiss Financial Services
07.2018 - 11.2020

Relationship Manager | Corporate Banking

MUFG Bank
02.2016 - 09.2017

Deputy Manager | Emerging Corporate Group

Kotak Mahindra Bank
08.2013 - 02.2016

Financial Planning Graduate Certificate -

Seneca College

Bachelor Of Business Administration -

IP University

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