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.Decision Maker ensures customer needs, business targets and risk appetite-oriented approach to processes and makes decisions for business leasing. Follows Luminor’s values – collaboration, focus and curiosity in daily work life with colleagues and customers.How You Will Make an Impact:Prepare business leasing credit memos (including financial analysis and customer risk assessment) and making decision based on credit strategy, defending made decision at higher level decision-making authority, as well as submitting all documents required for monitoring the credit quality based on the credit policy.Analyze companies, their structures, financials, as well as their owners' background to grant the leasing. The analysis area covers all forms of business activity, including farmers.Ensure excellent customer service and achievement of individual and team targets, KPIs related to leasing area.Initiate improvements in leasing decision making processes, creating value for both the customer and the bank.Ensure data quality and provide input of different data in bank systems and programs regarding existing quality standards and procedures.Take responsibility for professional self-development and improving team performance by providing feedback and recommendations.Inform direct or department manager and operational risk management about operational risk incidents, frauds, mistakes, and cases that can cause financial or reputation risks or can lead to losses within action or inaction of employees.What Makes You a Great Fit:Knowledge of business leasing or lending products and services.Strong analytical skills (customer financial and operational analysis).Knowledge of gathering, systematizing and presenting information.Decision-making and initiative.Ability to find reasonable balance between business and credit risk appetite.Excellent customer service, communication and negotiation skills.Fluency in Latvian language and English (both oral and written).Fluent English is required in spoken and written communication due to working on the Pan-Baltic levelWhy You Will Love Working Here: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 funCulture. 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 boredMore vacation. Additional weeks of vacation are available to all employees who have been in the company for 1 year or moreVolunteer time off. We care about giving back to society, therefore, you will get additional days off for volunteering purposesPaid 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 yearHealth 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 neededWellbeing. Access to tools and resources that help you feel good and be productive at work and in lifeProfessional growth. Internal and external training programs, LinkedIn learning, workshops, conferences, online training, etcSpecial Offer for Luminor products & services. Enjoy special offers & pricing for products and services provided by LuminorGross salary. 1900-2400 EUR/month, which is to be determined depending on your level of experience and competenciesThe application deadline is the 19th of April. We are looking for a candidate primarily already located within the Baltics. Please apply with your CV in English and PDF format!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.