Summary
Overview
Work History
Education
Skills
Timeline
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Rabia Malik

Milton

Summary

With over eight years of experience in the banking industry, I am committed to assisting clients in achieving their financial objectives and advancing their business endeavors. My extensive expertise in commercial lending and financial services positions me to provide strategic, tailored solutions that address the distinct needs and complexities of each client. As a Commercial Relationship Manger, I focus on commercial clients with complex business structures and lending needs. While also managing my portfolio, increasing revenue, while mitigating risk for the bank. I have consistently achieved strong results through my collaboration with COI (circle of influence) over the years, within the Halton/Peel Region.

Overview

7
7
years of professional experience

Work History

Commercial Relationship Manager- Halton Market

Roya Bank of Canada- RBC
08.2023 - Current
  • Manage a commercial portfolio across various industries including Franchise, restaurants, manufacturing, real estate, and technology.
  • Structured and closed over $13M in commercial credit facilities, including lines of credit, equipment financing, and term loans. Exceeded deposit target by 30%.
  • Average of 3 Net New client acquisitions annually while maintaining a personal NPS of 84% year end.
  • Conducted in-depth financial analysis and cash flow modeling to assess creditworthiness and structure tailored loan solutions.
  • Built and maintained relationships with 60+ clients, increasing client retention.
  • Advised clients on treasury services, deposit products, and cash management solutions, to anchor commercial clients with RBC.
  • Led joint meeting with internal & external partners to provide beyond banking needs and add value to meetings.
  • Performed in-depth annual review, credit and risk assessments to ensure portfolio health.
  • Comply with all internal risk policies and mitigate risk for the bank.
  • Prospecting and cold calling to find new business.

Business Markets Relationship Manager

Roya Bank of Canada- RBC
10.2020 - 07.2023
  • Built and maintained a portfolio of 120+ client who required lending for small businesses.
  • CSBFL loans and term loans.
  • Sourcing leads from internal and external partners.
  • Exceeded loan targets by 60% percent deposits exceeded by 50%, 18 NCA annually, personal NPS over 90%.
  • Conducted financial analysis and due diligence for business clients.
  • Identified cross-selling opportunities, increasing product penetration by 40%.
  • Prospecting and cold calling local business for new opportunities.
  • Promoted within just 2 years to Commercial Banking, ahead of typical timelines (generally 4 years), in recognition of strong performance YOY.

Senior Account Executive- Strategic Channels Partner

ADP
10.2018 - 09.2020
  • Managed a territory remotely in Calgary, Alberta. Worked with RBC partners to offer them tailored payroll and HCM solutions that aligned with their business goals.
  • Exceeded sales quota annually through strategic outreach, solution-based selling, and upselling additional products.
  • Prospection and cold calling local business for new opportunities.
  • FY2020 Presidents Club Achiever, Awarded Top employee for 5 consecutive months.

Education

University of Toronto
Toronto, ON
01.2023

Bachelors of Law - Accelerated Program

University of Stirling Law School
01.2012

Bachelors - Political Science

York University Keele Campus
Toronto, ON
01.2010

Skills

  • Relationship & Portfolio Management
  • Business Development
  • Credit Analysis & Loan Structuring
  • Client Retention
  • Sales & Revenue Growth
  • Market & Industry Analysis
  • Financial Statement Analysis
  • Customer relationship building
  • Strong negotiation skills
  • Goal-oriented mindset

Timeline

Commercial Relationship Manager- Halton Market

Roya Bank of Canada- RBC
08.2023 - Current

Business Markets Relationship Manager

Roya Bank of Canada- RBC
10.2020 - 07.2023

Senior Account Executive- Strategic Channels Partner

ADP
10.2018 - 09.2020

Bachelors of Law - Accelerated Program

University of Stirling Law School

Bachelors - Political Science

York University Keele Campus

University of Toronto
Rabia Malik