MICHAEL MARLON ERWIN JOSEPH
Gros Islet
Summary
Strategic and transformative leader with over 25 years of progressive experience in retail and personal banking, including 15 years of leadership in sales, credit portfolio management, and operations. Proven record of implementing growth strategies, strengthening risk frameworks, and leading organizational transformation. Expertise spans credit policy development, delinquency management, enterprise risk oversight, and board-level reporting. Recognized for cultivating high-performing teams, driving market share growth, and aligning business objectives with regulatory and compliance requirements.
Overview
26
26
years of professional experience
1
1
Certification
Work History
Executive Manager – Personal Banking
National Bank of Dominica Ltd
06.2023 - 06.2025
- Led the development of credit portfolio strategies, achieving 2–5% annual growth.
- Managed teams across lending, risk, and customer service, refining credit policies and compliance systems.
- Regularly presented strategic performance updates to the board and executive leaders.
- Oversaw due diligence for the Citizenship by Investment program.
Relationship Officer / Acting Branch Manager
Republic Bank EC Ltd
11.2021 - 04.2023
- Managed a portfolio of over 300 high-net-worth clients, delivering 10–15% yearly growth in loans.
- Supervised staff, introduced performance dashboards, and strengthened the audit and compliance framework.
Relationship Officer / Acting Branch Manager / Sales Trainer
Scotiabank
08.2010 - 11.2021
- Drove sales growth and increased credit penetration through innovative campaigns.
- Trained staff in relationship banking and credit risk.
- Earned recognition as a top sales performer for 12 straight years.
Personal Banking Officer / Teller
Scotiabank
01.1999 - 01.2010
- Excelled in lending operations and compliance while supporting operational enhancements across retail banking.
Education
MBA & Chartered Banker Certification - Merit
Bangor University
Skills
- Strategic Credit Portfolio & Risk Management
- Lending Policy Creation & Delinquency Reduction
- Governance, Compliance & Audit Preparation
- Sales Strategy & Revenue Expansion
- Digital Banking Innovation & Operations Optimization
- Leadership Development & Succession Planning
- Board Reporting & Stakeholder Relations
- Customer Experience Enhancement
Accomplishments
- Sustained 2–5% lending portfolio growth at National Bank of Dominica.
- Restructured job descriptions to boost efficiency.
- Launched new credit products with successful market adoption.
- Enhanced staff engagement through motivational initiatives.
- Top Sales Performer for 12 consecutive years at Republic Bank EC Ltd and Scotiabank.
- Achieved 10–15% yearly growth in loan disbursements at Republic Bank EC Ltd and Scotiabank.
- Improved customer satisfaction and loyalty scores.
Certification
- Commercial & Small Business Lending Certification – Republic Bank EC Ltd
- Coaching & Leadership Excellence – Scotiabank
- Enterprise Risk Management – National Bank of Dominica
- Balanced Scorecard & Strategy Execution – Balanced Scorecard Institute (USA)
- Certified Anti-Money Laundering Specialist (In Progress)
Awards
Best of the Best – Scotiabank (2008–2011), Top Sales Performer – Scotiabank / Republic Bank (2008–2021), Best Support Worker – Republic Bank (2021), Result-Focused Award – Republic Bank (2021)
Timeline
Executive Manager – Personal Banking
National Bank of Dominica Ltd
06.2023 - 06.2025
Relationship Officer / Acting Branch Manager
Republic Bank EC Ltd
11.2021 - 04.2023
Relationship Officer / Acting Branch Manager / Sales Trainer
Scotiabank
08.2010 - 11.2021
Personal Banking Officer / Teller
Scotiabank
01.1999 - 01.2010
MBA & Chartered Banker Certification - Merit
Bangor University
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