Zeyad User

Assess member financial needs and connect members with appropriate deposit, lending, and account solutions. Respond to account inquiries and service requests while maintaining accurate documentation and applying credit union policies.

Processed routine banking transactions and maintained accurate customer and administrative records. Identified client needs and recommended relevant products, consistently supporting branch sales and service goals.

Managed a portfolio of 200+ borrowing customers who received employment-related severance payments, identifying retention solutions while balancing client and bank interests. Reviewed departmental processes, improved workflows, and maintained service-level agreements with internal stakeholders.

Directed daily front- and back-office branch operations for a team of up to 16 associates supporting 150+ customer transactions per day. Coached branch staff on sales performance, client service, and branch targets, earning Top Performer and Rising Star recognition.

Developed and managed the employee suggestion program, including evaluation, implementation tracking, reporting, and recognition activities. Coordinated internal quality audit cycles and supported ISO-certified departments in maintaining certification.

Prepared expense-to-budget analyses and statistical, analytical, and financial reports for senior management. Supported annual strategy development, strategic projects, performance reviews, and divisional objectives.

Performed quality audits, administered the employee suggestion program, and supported bank-wide ISO certification and process improvement initiatives.

Served retail banking customers and supported the launch of a personal banking function for high-net-worth clients.

Analyzed financial statements and credit applications, monitored facility terms and security documentation, and prepared classified account and board reports.

Early career experience at Union Pacific Railroad.

Early career experience at National Bank of Abu Dhabi.

Certified Lead Internal Quality Auditor from Lloyd Quality, completed in 2005.

Master of Business Administration in Marketing from National University, completed in 1989.

Bachelor of Business Administration from National University, completed in 1988.