• JOB TITLE: CHIEF COMMERCIAL OFFICER
• ORGANIZATIONAL UNIT: EXECUTIVE OFFICE
• REPORTS TO: CHIEF EXECUTIVE OFFICER
• OVERSEES: LOANS, MARKETING, BUSINESS DEVELOPMENT AND PUBLIC
• RELATIONS
• EMPLOYMENT TYPE: CONTRACTUAL
• ______________________________________________________________________
• ABOUT ST. JOHN'S CREDIT UNION
• St. John's Credit Union Ltd. is committed to providing exceptional financial services to our
• members while maintaining the highest standards of integrity, transparency, and
• community service. We foster a collaborative work environment that values professional

development and ethical practices.

• Position Summary
• The Chief Commercial Officer (CCO) is responsible for leading the Credit Union's
• commercial strategy, business development initiatives, loan portfolio growth, membership
• growth, deposit growth, product development, marketing, and member engagement

functions.

• As a member of the Executive Management Team, the CCO is responsible for developing
• and executing strategies that drive sustainable growth, increase market share, enhance
• member relationships, improve product penetration, and maximize the overall value

delivered to members.

• The CCO serves as the executive sponsor and primary driver of the Credit Union's growth
• agenda, with accountability for achieving strategic targets related to loan portfolio growth,
• membership growth, deposit growth, product penetration, revenue generation, and

member engagement.

• The CCO is responsible for identifying and executing opportunities that expand the Credit
• Union's market presence, strengthen member relationships, increase product utilization,
• and support the long-term sustainability and profitability of the Credit Union. The position
• works closely with the Chief Risk Officer to ensure growth objectives are achieved within

the Credit Union's approved risk appetite and strategic framework.

• Duties and Responsibilities
• Corporate Responsibilities
• Adheres to the Credit Union's Mission, Vision, Core Values, and Service

Standards.

• Demonstrates professionalism, integrity, and teamwork in all interactions.
• Maintains strict confidentiality of member, employee, and organizational

information.

• Participates in community outreach, financial literacy initiatives, speaking

engagements, and Credit Union-sponsored events.

• Complies with all applicable laws, regulations, policies, procedures, and ethical

standards.

• Promotes a strong risk-aware culture throughout the organization.
• Commercial Strategy and Business Growth
• Leads the development, implementation, and execution of the Credit Union's

Commercial Strategy and Annual Business Development Plan.

• Establishes annual growth targets for loans, deposits, membership, product

utilization, market share, and revenue generation.

• Develops and executes long-term strategies designed to increase loan portfolio

growth, membership growth, deposit mobilization, and non-interest income.

• Identifies market opportunities, emerging trends, and underserved segments to

support sustainable growth and increased financial inclusion.

• Conducts market analysis, competitor assessments, and industry research to

identify opportunities for expansion, innovation, and strategic partnerships.

• Leads initiatives aimed at increasing the Credit Union's market share, brand

awareness, and community presence throughout Belize.

• Develops and maintains strategic partnerships that contribute to business growth,

member acquisition, and product expansion.

• Develops initiatives to increase wallet share among existing members through

enhanced product and service utilization.

• Leads the development of sales and business development strategies across all

member-facing functions.

• Promotes and embeds a growth-oriented culture throughout the organization while

maintaining alignment with the Credit Union's strategic objectives and risk appetite.

• Provides quarterly growth strategy updates, commercial performance reviews, and

business development recommendations to the Board of Directors.

• Lending Strategy and Portfolio Growth
• Serves as the executive owner of the Credit Union's loan portfolio growth strategy.
• Provides strategic leadership and oversight of lending operations to achieve

sustainable loan growth while maintaining portfolio quality.

• Establishes annual and long-term loan growth targets and monitors performance

against approved budgets and strategic objectives.

• Reviews loan portfolio performance, growth trends, delinquency levels, product

profitability, concentration levels, and market penetration.

• Leads the development and enhancement of lending products, pricing strategies,

promotional campaigns, and member financing solutions.

• Identifies opportunities to diversify and expand the loan portfolio across consumer,

mortgage, agricultural, educational, commercial, and emerging market segments.

• Develops initiatives to improve loan application turnaround times, member

experience, loan conversion rates, and lending efficiency.

• Collaborates with the Chief Risk Officer to ensure lending growth strategies remain

aligned with approved risk tolerances and portfolio quality standards.

• Monitors portfolio growth against strategic objectives and recommends corrective

actions where necessary.

• Membership Growth and Member Experience
• Leads the development and execution of membership acquisition, retention, and

engagement strategies.

• Establishes annual membership growth targets and monitors performance against

approved objectives.

• Develops initiatives designed to improve member loyalty, deepen member

relationships, and increase product penetration.

• Oversees financial inclusion initiatives, community outreach programs, and

educational campaigns that support membership growth and community impact.

• Monitors member satisfaction indicators and develops action plans to continuously

improve the member experience.

• Product Development and Marketing
• Leads the development, enhancement, pricing, and lifecycle management of the