Ramandeep Kaur Malhi
Royal Bank of Canada, RBC
Calgary,AB
1
Certification
7
years of professional experience
Relationship-driven Financial Services Professional experienced in delivering tailored banking solutions and managing complex client relationships. Achieved success with a portfolio of approximately 170 commercial clients and structured credit solutions up to $1.25 million while advising on financing strategies and cash flow management. Focused on transitioning into Wealth Management to enhance client financial security through investment and planning advice.
Work History
Relationship Manager, Business Markets
6 Months- Manage a portfolio of ~170 commercial clients with annual revenues up to $10M, focusing on relationship growth and financial advisory support
- Identify cross-sell opportunities to enhance client relationships and supported business growth with tailored financial solutions
- Structure and approve commercial credit facilities up to $1.25M, aligning financing solutions with client cash flow and business objectives
- Conduct in-depth financial analysis including profitability, liquidity, leverage, working capital cycles, and debt service coverage ratios
- Prepared detailed credit memoranda assessing borrower risk, industry outlook, collateral quality, and repayment capacity to inform credit decisions
- Led annual credit reviews and monitored covenants while proactively identifying risks across portfolio to mitigate potential losses
- Collaborate with credit adjudication, legal, and operations teams to execute financing transactions and ensure compliance
Commercial Advisor
1 Year 9 Months- Facilitated execution of commercial lending transactions by managing documentation, coordinating funding, and ensuring client servicing excellence
- Collaborated with relationship managers to prepare comprehensive credit applications and financial analysis packages, enhancing client evaluation processes
- Ensured smooth onboarding of commercial clients and maintained service excellence standards
Banking Advisor
4 Years 6 Months- Developed and maintained strong relationships with clients, enhancing customer loyalty and satisfaction.
- Conducted comprehensive financial assessments to identify opportunities for wealth management.
- Guided clients in selecting financial products to meet individual needs and goals.
Education
Bachelor of Science - Electronics And Communication
- Diploma in Payroll And Accounting
- Certificate in Human Resource Management
Skills
Portfolio Growth & Client Acquisition
Client retention
Market Analysis
Needs analysis
Risk Assessment
Credit Analysis
Cross-functional collaboration
Customer relationship management
Strong Communication & Advisory Skills
Certification
CFA level 1
Timeline
Relationship Manager, Business Markets
Royal Bank of Canada, RBC
01.2026 - CurrentRead More
Commercial Advisor
Royal Bank of Canada, RBC
03.2024 - 12.2025Read More
Banking Advisor
Royal Bank of Canada, RBC
09.2019 - 03.2024Read More
Punjab Technology University
Bachelor of Science from Electronics And Communication
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Rosewood College
from Diploma in Payroll And Accounting
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University of Manitoba
from Certificate in Human Resource Management
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