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 strategy
• Evaluate Customer’s (private individuals) financial figures
• Make decisions according to Power to Act
• Defend decisions made at higher level decision-making authority; Perform analysis of decisions upon credit risk request and valid procedures
• Review, monitor & provide feedback regarding prepared credit proposal/memos and all attached materials
• Ensure 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 cases
• Propose improvements of processes/products creating value for both the customer and the bank
• Ensure data quality and insert data into Banking systems accordingly to existing quality standards, processes and procedures
• Organize daily work and activities, proactively plan and execute of tasks in accordance with current requirements, timelines, budget and Luminor values

What We Expect: 

• Prior 1-2 years of experience in credit risk / customer crediting field
• 3-5 years preferred experience at financial sector
• Good knowledge of credit processes and crediting principals as well as knowing banking products, services and programs
• Customer service skills and ability to collaboration well within different teams
• Strong analytical skills (customer financial and operational analysis)
• Ability to learn quickly and be proactive
• Time management and problem-solving skills in line with ability to collaborate well
• Ability to gather, systemize and present information
• Decision-making skills
• Educational background in Finance, economics or any related field
• Fluent Lithuanian and English are required in spoken and written communication due to working on the Pan-Baltic level

What 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 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 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. 2,150 - 2,500 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 till May of 2026.

The application deadline is the 17th of October. We are looking for a candidate primarily already located within the Baltics. Please apply with your CV in English and PDF format!