Senior Lending Advisor

Senior Lending Advisor is responsible for delivering excellent service to new mortgage loan (ML) customers by providing professional consultations, preparing applications for credit decision-making, and managing the end‑to‑end processing of mortgage loan deals.

• Customer Consultations & Service Excellence Provide high‑quality consultations to new ML customers, ensuring a smooth, professional, and customer‑centric mortgage lending experience.
• Mortgage Loan Preparation & Processing Prepare mortgage loan applications and all necessary documentation for internal decision-making
• Ensure accurate and timely processing of mortgage loan deals
• Sales of Banking Products Perform needs‑based sales of banking products to achieve individual targets and support the profitable growth of Retail Banking
• CRM Management Handle CRM tasks in a timely and professional manner, ensuring high‑quality and compliant CRM data according to established procedures and requirements
• Credit Analysis & Decision Support Conduct professional analysis of mortgage loan applications, including detailed customer risk assessment
• Cooperate with Real estate partners
• Prepare high‑quality loan project memos (MEMO) and present customer cases to decision‑making authorities when required

• At least 3 years of experience in mortgage lending, with strong knowledge of housing loan products, credit risk evaluation, and end‑to‑end mortgage processes
• Excellent communication and customer advisory skills
• Strong analytical thinking and attention to detail
• Ability to manage complex customer cases independently
• Proficiency with CRM systems and banking product management.
• Good English and Fluent Latvian is required in spoken and written communication due to working on the Pan-Baltic level

• 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