Lending Expert

Retail banking transformation included redesign of customer service process, optimization of channels and organizational structure, and it supports our strategic goal of becoming Digital Retail bank and is key factor in achieving Retail banking financial targets. Now after the transformation we are looking to grow and strengthen our team.

Lending Expert ensures customer needs, business targets and risk appetite-oriented approach, makes decisions for unsecured and long-term loans. Follows Luminor’s values – collaboration, focus and curiosity in daily work life with colleagues and customers.  Lending Competence Center Unit handles credit applications in a timely and professional manner and brings credit matters and customer experience to the next level.  

Responsibilities:

• Provide professional analysis of loan and limit applications (mortgages and leasing) 
• Defend applications at decision-making authority
• Ensure proper preparation of loan documents and submission of all documents required for monitoring the credit quality
• Support and provide solutions for Sales units in complicated credit cases
• Communicate and ensure excellent customer service 
• Ensure data quality and provide input of different data in bank systems and programs in accordance with existing quality standards and procedures
• Ensure high quality in the preparation of loan projects
• Inform direct manager or department manager and operational risk management about operational risk incidents, frauds, mistakes, and cases that can cause Bank financial or reputation risks or can lead to loses within action or inaction of employees

Skills and Experience:

• At least 1 year experience in Banking sector (knowledge of banking services, products, systems)
• Knowledge of credit processes and credit strategy
• Experience with mortgage loans or leasing will be considered as advantage
• Entrepreneurial mindset and analytical skills (customer financial and operational analysis)
• Champion of Customer Service
• Result oriented and solution focused with high problem solving abilities
• Time management skills and ability to use resources efficiently
• Excellent communication, fluency in Latvian, English and Russian (both oral and written)

Why Luminor? What we can offer you:

• Dynamic and international working environment that is filled with interesting challenges and opportunities to innovate, as we build a bank together
• Varied opportunities to support your professional and personal development and growth
• Health insurance with great coverage straight after probation period
• All technical necessities as of day one, including mobile phone with a tariff plan
• An additional benefits package for employees after 1 year in the company, which includes additional days of vacation
• A collaborative and supportive team where you can create and implement ideas
• A salary range for this position at 1100-1450 EUR (Gross), which is to be determined depending on the level of experience and competencies of the selected candidate

Application deadline is 26th of April

In case of questions please feel free to contact Ieva.Valevko@luminorgroup.com (Hiring Manager) or Krista.Tjarve@luminorgroup.com (HR)