Decision Maker (Private Leasing area)

Join our team as a Decision Maker!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.Decision Maker ensures customer needs (private individual financing area), business targets and risk appetite-oriented approach to processes and makes decisions for leasing. Leasing Decision Unit handles leasing applications in a timely and professional manner and brings lease matters and customer experience to the next level.What You Will Do: Prepare decision materials and conduct professional analysis of credit memos, including evaluation of customers and exposure strengths and weaknesses, to support lending decisions in alignment with the credit strategyEvaluate Customer’s (private individuals) financial figuresMake decisions according to Power to ActDefend decisions made at higher level decision-making authority; Perform analysis of decisions upon credit risk request and valid proceduresReview, monitor & provide feedback regarding prepared credit proposal/memos and all attached materialsEnsure excellent customer service and that customers are served in accordance with policies (KYC, AML, data security and compliance etc.)Support and provide advice (including activities in working groups) for sales units in complex credit casesPropose improvements of processes/products creating value for both the customer and the bankEnsure data quality and insert data into Banking systems accordingly to existing quality standards, processes and proceduresOrganize daily work and activities, proactively plan and execute of tasks in accordance with current requirements, timelines, budget and Luminor valuesWhat We Expect: Prior 1-2 years of experience in credit risk / customer crediting field3-5 years preferred experience at financial sectorGood knowledge of credit processes and crediting principals as well as knowing banking products, services and programsCustomer service skills and ability to collaboration well within different teamsStrong analytical skills (customer financial and operational analysis)Ability to learn quickly and be proactiveTime management and problem-solving skills in line with ability to collaborate wellAbility to gather, systemize and present informationDecision-making skillsEducational background in Finance, economics or any related fieldFluent Lithuanian and English are required in spoken and written communication due to working on the Pan-Baltic levelWhat We Offer: Flexibility. Flexible working hours, Hybrid work, and the 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 purposesPaid 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 you 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. 2200 - 2600 EUR/month, which is to be determined depending on your level of experience and competencies Additional note: this is a temporary contract covering a maternity leave, however with a possibility for extension/conversion or making an internal move within our organization!The application deadline is the 28th of November. We are looking for a colleague not only from Vilnius, but other cities suit as well (Kaunas, Klaipėda, Panevėžys, Šiauliai, Alytus).Luminor is the leading independent bank in the Baltics and the third-largest provider of financial services in our region. We serve the financial needs of individuals, families, and companies. Just like our home markets of Estonia, Latvia, and Lithuania we are young, dynamic, and forward looking.Luminor has a strong and capable team that is committed to achieving our strategic objectives. We are dedicated to supporting sustainable growth in the Baltic region by providing a long-term commitment to businesses and individuals.