Credit Analyst

Join us and get a once-in-a-lifetime opportunity to literally build a local banking champion!

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

How You Will Make an Impact:

• Conduct independent high quality credit analysis on assigned customers
• Maintain credit quality and meet delivery targets
• Demonstrate sound business ability and professional ethics
• Share objective view on credit risk assessment, identify alternative solutions, and recognize early warning signals to ensure no surprises
• Control fulfillment of financial covenants
• Handle risk issues and ensure compliance with regulatory and governance requirements
• Prepare assigned parts of credit application, ensure its quality and the comprehensive client risk assessment, provide advice on how to minimize possible risk, deliver findings to Bank's decision-making structural units
• Collect and evaluate information about customers and industries, you act as competence center of selected industries
• Participate in credit committees, in customer teams, in meetings with clients and support relationship managers in structuring financing to customers

• Experience in analyzing real estate projects and/or -market.
• 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
• Latvian and English 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