Join our team as Home Loan Advisor!

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 we 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 literally build a local banking champion.

Advisor is responsible for advisory and excellent customer service, creating outstanding customer experience for private customers by using any communication channel preferred by the customer.

We provide the best financial partnership service and create added value for customer assets, thereby creating a mutually beneficial cooperation in the long term. Advisor follows Luminor’s bank values – curiosity, focus and collaboration with colleagues and customers.

What You Will Do:

• Run advisory meetings (both reactive and proactive) to understand customer needs and provide the most suitable and valuable financial solution and service to customers to fill their needs
• Handle incoming application flow from Retail Banking customers – private individuals by using communication channel preferred by the customer (e.g. video, phone, written, physical meeting, etc.) adhering to data security and customer service standard requirements and according to required SLAs
• Create, maintain, and develop relationships with new and existing customers to generate additional business, ensure excellent customer experience and achieve both individual and team targets, including OKRs
• Perform sales of banking products, according to customers’ needs, to fulfil targets and ensure profitable growth of Retail Banking
• In case of lending products, provide professional analysis of loan, leasing and limit applications (including customer risk assessment) and ensure high quality preparation of loan projects (MEMO). Present applications and customer case for
  decision-making authority when needed
• When required, provide aftersales support, agreement changes/amendments (of relevant products), in order to ensure profitable growth of Retail Banking.
• Process customer transactions accordingly to all the regulations (KYC, AML, Data Security, Compliance, etc.)
• Maintain, and develop relationships with new and existing real estate partners and developers, when assigned one.

What We Expect:

• Knowledge of financial products and solutions as well as knowledge of the trends in the financial markets
• Proactive sales skills
• Minimum of 2 years of experience as an Advisor or in a related advisory role within the financial services industry
• Ability to communicate freely with different types of clients, choosing the most convenient and understandable communication style for them, the ability to cooperate with other units. Prompt and independent finding solutions in non-standard situations
• Knowledge and understanding of the company’s financial basic data / balance sheet indicators and the ability to analyse them.
• The ability to structure loan cases according to the Bank’s loans and risk policies.
• Knowledge of the tax policies for saving and investment solutions offered by the Bank
• Having BFAA certificate would be advantage
• Advanced Estonian and English language skills: fluent in all spoken and written 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. From 2000 EUR/month, which is to be determined depending on your level of experience and competencies

The application deadline is 10th of the November.