About
Accomplished Senior Relationship Manager with over 10 years of progressive experience in corporate and commercial banking across top regional institutions. Expert in credit structuring, portfolio management, risk assessment, and strategic client acquisition, Sultan has a proven ability to grow portfolios, restructure complex exposures, and secure major financing approvals. Recognized for strengthening client relationships, improving utilization, and delivering consistent revenue growth.
Work
Riyad Bank
|Assistant Vice President – Senior Relationship Manager
Riyadh, Ar Riyad, Saudi Arabia
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Summary
Managed a diversified portfolio of 40 borrowing and 10 non-borrowing corporate clients, leading credit structuring, financial analysis, and risk assessments to drive portfolio growth and compliance.
Highlights
Built a new corporate-banking portfolio from scratch, establishing new relationships and generating over SAR 150M in new credit exposure.
Originated and structured new credit relationships exceeding SAR 50M, while increasing exposure for existing clients by over SAR 60M and developing a pipeline of 10+ identified deals worth over SAR 80M.
Managed and restructured SAR 70M+ in complex legacy problematic accounts, mitigating NPL risk and significantly improving overall portfolio quality.
Drove cross-selling initiatives with Treasury and Cash Management, increasing client adoption of FX, deposits, liquidity solutions, and cash-management products.
First Abu Dhabi Bank (FAB)
|Coverage Director
Riyadh, Ar Riyad, Saudi Arabia
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Summary
Led coverage for a portfolio of mega corporate clients, driving strategic relationship planning, multi-product penetration, and long-term revenue growth across lending, treasury, trade finance, and cash management.
Highlights
Participated in a USD 3.6B (SAR 13.5B) international syndicated financing and a record USD 17B syndicated loan facility (2022) for major national and sovereign-linked entities.
Actively participated as bookrunner for a major sovereign-linked entity's debut multi-tranche USD-denominated green bond issuance (2022), strengthening capital markets positioning.
Expanded wallet share across key strategic clients by increasing exposure, improving utilization, and deepening engagement; directed cross-selling initiatives with Treasury, Global Markets, and Cash Management.
Acted as the primary senior point of contact for C-suite executives, ensuring high-level engagement, improved client satisfaction, and stronger relationship retention.
Al Rajhi Bank (ARB)
|Senior Relationship Manager
Riyadh, Ar Riyad, Saudi Arabia
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Summary
Managed and grew a middle-corporate portfolio exceeding SAR 1.5B across 11 clients, delivering tailored financing solutions and strengthening long-term relationship value.
Highlights
Developed a forward pipeline exceeding SAR 200M and originated major CAPEX financing mandates, including a SAR 100M facility.
Secured full credit approvals for an additional SAR 150M to support client expansion and operational needs, increasing portfolio utilization by over SAR 90M.
Successfully renewed 7 long-expired credit facilities, restoring active relationships and improving overall portfolio stability.
Collaborated with Treasury, Cash Management, and Trade Finance to deliver integrated solutions, enhancing client profitability and non-interest income.
Saudi Awwal Bank (SAB)
|Senior Relationship Manager
Riyadh, Ar Riyad, Saudi Arabia
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Summary
Managed a corporate-banking portfolio of approximately SAR 1B across 25 clients, including 13 non-borrowing relationships, ensuring balanced revenue generation across lending, deposits, trade, and cash-management products.
Highlights
Originated and executed CAPEX financing worth SAR 120M and established new credit relationships generating over SAR 500M in total exposure.
Supported the launch of a new POS-financing product, attracting 8 new clients and building a pipeline of 4 additional prospects.
Improved portfolio utilization and revenue generation through proactive engagement, credit optimization, and identification of cross-sell opportunities.
Strengthened credit quality through detailed financial analysis, sector assessments, and early-warning monitoring.
Arab National Bank (ANB)
|Relationship Manager
Riyadh, Ar Riyad, Saudi Arabia
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Summary
Managed a commercial-banking portfolio of approximately SAR 750M across 18 clients, including 10 non-borrowing relationships, ensuring balanced revenue generation across lending, deposits, trade, and cash-management products.
Highlights
Originated and executed four key financing deals valued at SAR 25M, SAR 30M, SAR 40M, and SAR 60M, contributing to portfolio growth and strengthening client relationships.
Assisted in structuring credit facilities, including working capital lines, term loans, and trade-finance products, aligning with client needs and ANB's risk appetite.
Conducted detailed financial and credit analysis to support lending decisions, ensuring compliance with regulatory and internal credit standards.
Strengthened client relationships through proactive engagement, timely service delivery, and coordination with product teams.
Education
Ashland University
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Bachelor
Business Administration (BBA) with a Minor in Management Information Systems (MIS)
Languages
English
Skills
Leadership & Soft Skills
Problem-Solving, Organization, Dedication, Adaptability, Resilience, Risk-Taking, Communication, Analytical Thinking, Visionary Leadership, Ethical Conduct, Professionalism, Reliability, International Business Perspective.
Financial & Credit Management
Credit Structuring, Portfolio Management, Risk Assessment, Financial Analysis, NPL Management, CAPEX Financing, Working Capital Facilities, Structured Lending, Regulatory Compliance, Credit Quality, Financial Modeling, Moody's Credit Lens.
Client & Relationship Management
Strategic Client Acquisition, Client Engagement, Relationship Management, Cross-selling, Stakeholder Management, Client Onboarding, Due Diligence, KYC.
Business Operations & Strategy
Business Acumen, Market Trend Analysis, Strategic Planning, CRM System Enhancement, Process Optimization, Quantitative Analysis, Data Analysis.