Decision Maker
Decision Maker
Decision Maker

Decision Maker


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.

What You Will Do:

  • Provide professional analysis (includes both the strong and the weak aspects of the Customer/Exposure) of prepared credit memos (including customer risk assessment) and make decision on granting lending products based on credit strategy.
  • Evaluate Customers financial figures to make grounded statements about customers financial performance.
  • Defend the decision made at higher level decision-making authority. Perform analysis of decisions upon credit risk request and valid procedures.
  • Monitor and provide feedback regarding credit MEMO quality to preparing units / direct manager or upon request.
  • Reviewing prepared credit proposal/memos and all attached materials regarding the application and ensuring they are in compliance with Luminor crediting requirements.
  • Ensure excellent customer service and achieve individual and team targets, KPI and OKRs.
  • Ensure that customers are served in accordance with policies (KYC, AML, data security and compliance etc.) and concepts.
  • Sustain required competencies within a team to improve quality of made decisions.
  • Support and provide solutions (including activities in working groups) for sales units in complex credit cases.
  • Inform about suspicious and unusual deals or transactions of customers.
  • Strictly follow existing procedures, instructions, ethic code, confidential information preservation, banking secrecy and other related legal requirements.
  • Ensure data quality and insert data into Banking systems accordingly to existing quality standards, processes and procedures.
  • Implement required changes in a professional and timely manner.

What We Expect:

  • 1-2 years of experience in credit risk field and 3-5 years of experience in financial sector
  • Degree in Economics, Finance or related field
  • Knowledge of credit processes and credit strategy
  • Ability to find reasonable balance between business and credit risk appetite
  • Knowledge of banking products and services and programs
  • Strong analytical skills (customer financial and operational analysis)
  • Ability to gather, systemize and present information
  • Decision-making ability and initiative
  • Customer service skills
  • Fluent English and Estonian 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. 2100-2300 EUR/month, which is to be determined depending on your level of experience and competencies

    The application deadline is 5th of June. We are looking for a candidate primarily already located within the Baltics please apply with your CV in English and PDF format!

    You can find average salaries for this postition at palgad.ee.


      Tallinn, Harjumaa, Estonia
      Liivalaia 45, 10145, Tallinn
    • Remote work opportunity

    Time of work

    • Full-time
    Contact person
    Kaia Tara

    Luminor is the leading independent bank in the Baltics and the third-largest provider of financial services in our region. We serve the financial needs of individuals, families, and companies. Just like our home markets of Estonia, Latvia, and Lithuania we are young, dynamic, and forward looking.

    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.

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