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.
How You Will Make an Impact:
Prepare leasing credit memos, including evaluation of Customer’s (private individuals) financial figures, and making decision based on credit strategy, defending made decision at higher level decision-making authority, as well as submitting all documents required for monitoring the credit quality based on the credit policy
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 leasing sales unit 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 according to existing quality standards, processes and procedures
Organize daily work and activities, proactively plan and execute tasks in accordance with current requirements, timelines, budget and Luminor values
What Makes You a Great Fit:
Educational background in Finance, economics or any related field
Prior 1-2 years of experience in customer financing field (lending or leasing)
Strong analytical skills (customer financial and operational analysis)
Ability to find reasonable balance between business and credit risk appetite
Ability to gather, systemize and present information
Ability to handle multiple task streams at the same time, assign correct priorities, and complete individual and joint tasks on time
Curiosity, a constant desire to learn and improve
Ability to collaborate and work in a team
Fluency in Lithuanian language and English (both oral and written)
Why You Will Love Working Here:
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
Culture. You’ll be joining a team where things move fast, ideas flow freely, and change is part of the everyday. It’s a dynamic environment that keeps you learning, growing, and never bored
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, LinkedIn learning, 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 till 2027.03.31, however with a possibility for extension/conversion or making an internal move within our organization!
The application deadline is the 29th of May. We are looking for a colleague not only from Kaunas, but other cities suit as well (Vilnius, Klaipėda, Panevėžys, Šiauliai, Alytus).
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The Baltics are a special land, where people share common values, are connected by similar drive and vision. People like this deserve their own bank that is like the Baltics themselves – dynamic, agile, and forward-looking. Independent, but stronger for being together. It is our privilege to be that bank!
We want to make a difference and have a voice in society, to shape the economic environment with the future in mind, and to contribute to our home region. We know the local people and businesses and we want to be the preferred partner in financial matters for our customers. We will do that by being accessible, fast and predictable.
Being pan-Baltic gives us the size and the strength to make a real difference, while still being a local bank. Although we have Nordic roots, we were born here, and we make our decisions here. We combine global knowledge with local expertise.
Luminor is the third-largest provider of financial services in the Baltics, with some 870 000 clients and 2 300 employees. In the Baltic region, it has a market share of 14.9% in deposits and 16.9% in lending as at the end of March 2021. Luminor has total shareholders’ equity of 1.7 billion EUR and a CET1 ratio of 23.4%.
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.
