Ruchika Ruchika
Winnipeg,MB
Summary
Experienced financial services professional with over 5 years in investment and credit advisory roles. Skilled in financial analysis, credit risk assessment, and investment guidance, with a strong track record of providing tailored solutions and exceptional client service. Adapt at managing high-volume financial decisions, ensuring compliance with policies, and collaborating with teams to achieve organizational goals.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Credit Advisor
Royal Bank of Canada, RBC
Winnipeg, MB
05.2025 - Current
- Assessed and approved applications for lines of credit, personal loans, and other credit products, ensuring compliance with lending policies and regulatory standards.
- Conducted detailed credit analysis, reviewing income, credit history, and risk profiles to make accurate and responsible lending decisions.
- Provided clear credit advice and tailored financial solutions to clients while managing high-volume applications with precision and efficiency.
- Collaborated with branch teams, compliance, and risk departments to resolve complex cases and ensure smooth client experiences.
- Maintained thorough documentation and supported new advisors through coaching on credit assessment and best practices.
Investment Advisor
RBC Royal Bank
06.2022 - Current
- Provided advice and recommendations on mutual funds, investment products, and long-term financial strategies based on client goals and risk profiles.
- Assisted clients in opening and managing TFSA, RRSP, and non-registered investment accounts, ensuring compliance with regulatory guidelines.
- Executed mutual fund purchases, switches, and redemptions while delivering clear guidance to help clients make informed decisions.
- Supported branch advisors and colleagues by handling investment inquiries, documentation, and client follow-up efficiently.
- Delivered high-quality client experience through proactive financial education and responsive phone-based service.
Banking Advisor
Royal Bank of Canada
06.2021 - 06.2022
- Extended and sustained relationships with customers to maintain and grow business
- Worked with customers to procure updated financial information on continuous basis
- Promoted financial products by maintaining excellent service offering knowledge
- Assisted customers with setting up or closing accounts, maintaining loan applications and signing up for new services
- Helped customers prepare documents required to complete transactions and process requests
- Cross-sold wide range of services and products to increase new business and expand existing customer relationships.
Customer Service Representative
24-7 Intouch Incorporated
01.2021 - 06.2021
- Handling Inbound and outbounds call
- Contact tracing, case tracing- Active monitoring
- Handling Complaints and Resolving issues
- Telephone Sales and customer support
- Compiling Data and making Reports
- Front line agents to our clients
Education
Diploma - Business Administration
Georgian College of Applied Arts and
Technology
Barrie, ON12.2020
High School Diploma - Commerce and Business
Bosco Public School
Delhi, India03.2019
Skills
- Analysis
- Risk Assessment
- Credit Evaluation
- Investments
- Compliance
- Client Service
- Communication
- Problem-Solving
- Documentation
- Reporting
- Stakeholder Management
- Decision-Making
Certification
- Licensed mutual fund representatives
- Designated Lending Authority Royal Bank of Canada
Timeline
Credit Advisor
Royal Bank of Canada, RBC
05.2025 - Current
Investment Advisor
RBC Royal Bank
06.2022 - Current
Banking Advisor
Royal Bank of Canada
06.2021 - 06.2022
Customer Service Representative
24-7 Intouch Incorporated
01.2021 - 06.2021
Diploma - Business Administration
Georgian College of Applied Arts and
Technology
High School Diploma - Commerce and Business
Bosco Public School