Join our team as a Lending Expert!

Yes, you can! That's our attitude towards our work, ambitions, ideas and relationships. We, at Luminor, believe that anyone has the potential to achieve big things and encourage everyone to achieve them – professionally and personally. 

Whoever you are, and whatever your role is, with Luminor you will get a once-in-a-lifetime opportunity to build a local banking champion.

Lending Expert ensures customer needs, business targets and risk appetite-oriented approach, makes decisions for unsecured, long- term loans and leasing, including signing agreements and other documents with customer.

What You Will Do: 

• Provide professional analysis (includes both the strong and the weak aspects of the Customer/Exposure) of loan, credit limit and leasing applications (including customer risk assessment) and ensure high quality in the preparation of lending projects according to agreed SLAs
• Defend applications at decision-making authority
• When required, provide aftersales support, agreement changes/amendments (of relevant products), in order to ensure profitable growth of Retail Banking
• Ensure excellent customer service and achievement of individual and team targets, lending related KPIs
• Ensure that customers are served in accordance with policies (KYC, AML, data security and compliance etc.) and concepts
• Ensure proper handling of customer related documents, including signing agreements, archiving, and submitting to further processing and monitoring in timely manner and full scope / quality according to corresponding procedures and policies
• Support and provide solutions if needed (including activities in working groups) for Sales units in complicated credit cases
• Inform about suspicious and unusual deals or transactions of customers

What We Expect:  

•  1-2 years preferred experience in lending in financial industry
• 1-2 years preferred experience at in credit risk field
• Knowledge of banking services, products, systems
• Knowledge of credit processes and credit strategy
• Entrepreneurial mindset and analytical skills (customer financial and operational analysis)
• Customer service skills
•  Fluent English and Estonian is required in spoken and written communication due to working on Pan-Baltic level. Basic Russian is required in spoken communication

What We Offer:

• Flexibility. Flexible working hours, remote work and a possibility to work from anywhere in the EU, Iceland, Switzerland and the UK (in total 90 days per year)
• International teams. Teams that go outside Pan-Baltic borders where people value challenging work together with good humor and having fun
• More vacation. Additional weeks of vacation are available to all employees who have been in the company for 1 year or more
• Volunteer time off. We care about giving back to society, therefore, you will get additional days off for volunteering purposes
• Paid leave. We are proud of our employees who are participating in military training. Therefore, Luminor offers 30 fully paid calendar days for military training every year
• Health benefits. A competitive benefits package in addition to your salary that includes health insurance after the first 3 months pass in all three Baltic states as well as Health days in case of your absence due to sickness without a doctor's note needed
• Wellbeing. Access to tools and resources that help to feel good and be productive at work and in life
• Professional growth. Internal and external training programs, workshops, conferences, online training etc.
• Special Offer for Luminor products & services. Enjoy special offers & pricing for products and services provided by Luminor
• Gross salary.  1780-2220 EUR/month, which is to be determined depending on your level of experience and competencies

The application deadline is 9th of February. We are looking for a candidate primarily already located within the Baltics please apply with your CV in English and PDF format!