Business Leasing Decision Maker
Job Overview
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, business targets and risk appetite-oriented approach to processes and makes decisions for business leasing. Follows Luminor’s values – collaboration, focus and curiosity in daily work life with colleagues and customers.
How You Will Make an Impact:
Prepare business leasing credit memos (including financial analysis and customer risk assessment) 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
Analyze companies, their structures, financials, as well as their owners' background to grant the leasing. The analysis area covers all forms of business activity, including farmers
Ensure excellent customer service and achievement of individual and team targets, KPIs related to leasing area
Initiate improvements in leasing decision making processes, creating value for both the customer and the bank
Ensure data quality and provide input of different data in bank systems and programs regarding existing quality standards and procedures
Take responsibility for professional self-development and improving team performance by providing feedback and recommendations
What Makes You a Great Fit:
Educational background in Finance, Banking, Economics or any related field
Prior 1-2 years of experience in business customer financing field (lending or leasing)
Strong analytical skills (business customer financial and operational analysis)
Ability to find reasonable balance between business and credit risk appetite
Knowledge of gathering, systematizing and presenting information
Excellent customer service, communication and negotiation skills
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
Fluent Estonian and English is required in spoken and written communication due to working on the Pan-Baltic level
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. 2,300 - 2,600 EUR/month, which is to be determined depending on your level of experience and competencies
The application deadline is the 9th of March. We are looking for a candidate located in Estonia. Please apply with your CV in English and PDF format!