Summary
Overview
Work history
Education
Skills
Accomplishments
Languages
Timeline
Generic

Raabiah Khalil

Birmingham,UK

Summary

Ambitious, young banking professional with hands-on experience in lending, credit assessment, financial analysis, and relationship management. Progressed from apprentice to Assistant Relationship Manager – Commercial Trainee within NatWest's Credit Delivery Team. Proven ability to support lending decisions, manage client portfolios, and contribute to inclusive workplace culture. Finalist for the Multicultural Apprenticeship Awards and experienced public speaker on apprenticeship journeys.

Overview

2
2
years of professional experience

Work history

Assistant Relationship Manager, Commercial Trainee

NatWest Group
Birmingham, UK
08.2025 - 08.2025
  • Promoted into a newly created role within Credit Delivery following successful completion of apprenticeship.
  • Continuing core responsibilities within Credit Delivery, now operating in an Assistant Relationship Manager structure by independently managing work assigned by multiple team members.

Assistant Relationship Manager (Placement)

NatWest Group
Birmingham, UK
06.2025 - 07.2025
  • Supported senior Relationship Managers in managing commercial client portfolios and delivering tailored financial solutions.
  • First-line customer support and delivered excellent customer service when managing daily email and telephone queries and delivered appropriate solutions.
  • Conducted face-to-face meetings with SME clients, managing portfolios with up to £25m turnover.
  • Coordinated and delivered annual Fraud & Operational Service Reviews (FOSRs), enhancing fraud awareness and operational integrity. Successfully identified 3 product leads on m first fraud review.
  • Utilised internal CRM and financial platforms to manage client data and interactions.
  • Collaborated across departments to ensure seamless client service and operational efficiency.
  • Maintained comprehensive knowledge of banking products, promoting suitable options to clients.
  • Ensured compliance with banking regulations during all transactions, maintaining high standards of integrity.

Credit Delivery Apprentice

NatWest Group
Birmingham, UK
10.2023 - 05.2025
  • First apprentices within team, helping shape onboarding and training frameworks for future cohorts.
  • Assessed creditworthiness of businesses applying for loans or refinancing, analysing financial accounts, business models, and lending rationales.
  • Conducted 15-day and 49-day reviews for Heightened Monitoring customers, identifying risks and recommending next steps.
  • Completed CFADS (Cash Flow Available for Debt Service) spreadsheets to evaluate debt serviceability.
  • Analyzed detailed financial accounts and identified ongoing trends.
  • Authored non-transactional comments across various sectors, improving clarity in customer records.
  • Developed standardised work request templates and managed PO requests to streamline internal processes.
  • Utilised internal systems including RMP, Back Office, and CRM to manage customer data and track case progress.
  • Completed a Senior Financial Services Apprenticeship with distinction.
  • Served as a DE&I Champion and CSR Council member.

LTSB Intern

Leadership Through Sport & Business
Birmingham, UK
08.2023 - 08.2023
  • Completed a 3-week NatWest-tailored bootcamp focused on professional development and banking fundamentals.
  • Gained insight into NatWest's operations, values, and career pathways.
  • Developed teamwork, communication, and presentation skills through group projects.
  • Participated in mock interviews with CEOs and received tailored coaching.
  • Successfully secured an interview and apprenticeship role at NatWest following the program.

Retail Worker

Farmfoods
Birmingham, UK
03.2023 - 05.2023
  • Delivered excellent customer service through product demonstrations, expert advice, and proactive problem-solving.
  • Managed daily sales administration, stock control, and delivery processes.
  • Operated cash registers with accuracy and processed cash and card transactions.
  • Performed store opening and closing procedures, including cashing up and waste counting.
  • Resolved customer complaints and process issues with proactive problem-solving skills.

Education

GCSEs -

Waverley School
Birmingham
09.2017 - 05/2022

Professional Bankers Certificate - Finance And Banking

Chartered Banker Institute
Birmingham
08.2024

Level 3 Senior Financial Services Customer Advisor - Finance And Banking

HM Goverment
Birmingham
06.2025

Full UK Automatic Driving Licence -

DVSA
Birmingham
05.2025

Skills

  • Credit Assessment & Risk Analysis
  • Financial Statement Review (CFADS)
  • Relationship Management
  • Portfolio Management
  • Report Writing & Documentation
  • Secure document handling and encryption
  • Data entry, reporting, and record management
  • Internal Systems: RMP (Relationship Management Platform), CRM, Back Office
  • Proficient in: Microsoft Outlook, Word, Excel, PowerPoint
  • Public Speaking & Panel Engagement
  • DE&I Advocacy & CSR Engagement
  • Customer Service & Retail Operations

Accomplishments

  • Finalist – Multicultural Apprenticeship Awards (2025)
  • Panelist – External events sharing apprenticeship journey and insights
  • DE&I Champion – Promoting inclusive culture within NatWest
  • CSR Council Member – Supporting community engagement initiatives

Languages

English
Urdu

Timeline

Assistant Relationship Manager, Commercial Trainee

NatWest Group
08.2025 - 08.2025

Assistant Relationship Manager (Placement)

NatWest Group
06.2025 - 07.2025

Credit Delivery Apprentice

NatWest Group
10.2023 - 05.2025

LTSB Intern

Leadership Through Sport & Business
08.2023 - 08.2023

Retail Worker

Farmfoods
03.2023 - 05.2023

GCSEs -

Waverley School
09.2017 - 05/2022

Professional Bankers Certificate - Finance And Banking

Chartered Banker Institute

Level 3 Senior Financial Services Customer Advisor - Finance And Banking

HM Goverment

Full UK Automatic Driving Licence -

DVSA

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Raabiah Khalil