Senior Credit Analyst

Senior Credit Analyst Join us and get a once-in-a-lifetime opportunity to literally build a local banking champion! Apply now 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 humour and having fun More vacation. Additional week 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. 3510-5270 EUR/month, which is to be determined depending on your level of experience and competencies The application deadline is 14th of July. We are looking for a candidate primarily already located within the Baltics please apply with your CV in English and PDF format ! Division Corporate Banking Role Corporates Lithuania Department Locations Vilnius, Lithuania Remote status Hybrid Employment type Full-time 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 we 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 literally build a local banking champion. About Luminor Group 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. Founded in 2017 Co-workers 2500+