Decision Maker (Credit Products for Private Individuals)

Join our team as a Credit 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. Credit Decision Maker ensures that processes are aligned with customer needs, business targets, and risk appetite, and makes decisions regarding unsecured and long-term loans.

The Decision Maker works directly with mortgage and consumer loans and credit limits for private individuals. The Lending Competence Center Unit handles credit applications in a timely and professional manner, enhancing both credit-related processes and the customer experience. What You Will Do: Provide professional analysis, including customer risk assessment and decision-making in line with the credit strategy.

Defend the decisions made before high-level decision-making authorities, and ensure the submission of all documents required for monitoring credit quality in accordance with the credit policySupport and provide solutions for sales units in complex credit casesInitiate improvements of lending processes, creating value for both the customer and the bankEnsure data quality and provide input of different data’s in bank systems and programs regarding existing quality standards and proceduresInform about suspicious and unusual deals or transactions of customersInform direct manager or department manager and operational risk management about operational risk incidents, frauds, mistakes, and cases that can cause financial or reputation risks or can lead to loses within action or inaction of employeesMake decisions according to Power to act What We Expect:

Experience in Financial Sector (3+ years), preferred experience in Credit Risk fieldExperience with loan products will be considered an advantageStrong analytical skills (customer financial and operational analysis)Ability to find reasonable balance between business and credit risk appetiteCustomer service and negotiation skillsAbility to multitask and handle multiple bank systemsFluent Estonian and English is 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.

2,000 - 2,350 EUR/month, which is to be determined depending on your level of experience and competencies The application deadline is 1st of the August. We are looking for a candidate primarily already located within the Baltics. Please apply with your CV in English and PDF format!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.