Join our team as a Senior Credit Analyst!

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.

As a Senior Credit Analyst, you will be foremost responsible for the objective analysis of credit risk for assigned large segment customers. We are eagerly waiting for you to join our team and contribute your expertise.

What You Will Do:

Evaluate/adjust customer’s financial figures, prepare forecasts in order to make grounded statements about the customer’s past and expected future financial performance, ability to generate cash and cover financial liabilities

Calculate credit risk grade (risk classification) of the customer

prepare most part of the credit application (including customer group structure, executive summary/background, financial analysis and comprehensive customer risk assessment, industry outlook, customer position in the market, bank’s creditor position etc.)

Prepare industry/portfolio analyses/overview, peer group analysis

Provide advice on how to minimize possible customer credit risk, identify alternative solutions; deliver findings to Bank's decision-making structural units

Participate in credit committees, in customer teams, in meetings with clients and support relationship managers in structuring financing to customers

Maintain credit material quality and meet delivery targets

Recognize early warning signals to ensure no surprises

Monitor fulfillment of established financial covenants

What We Expect:

Knowledge of financial analysis, credit products

Knowledge of relevant aspects of accounting standards (IFRS, local accounting standards)

Presentation and written and verbal argumentation skills

Analysis and judgement

Development focus

Flexibility and openness to change

Cooperation and communication skills

Customer focus

Readiness to take ownership

Fluent English and Lithuanian language is required in 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.

Gross salary. 3260 - 4900 EUR/month, which is to be determined depending on your level of experience and competencies

Application deadline 25th of November.

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