- Skelbimas
- Atlygis/Miestas
- Apie įmonę
Luminor Group
You will work as team member in Corporate Department‘s Credit Analysis Unit and will be responsible for performing credit analysis and disclosing risks of assigned Large & SME segment customers in accordance with the policies and instructions. You will cooperate closely with the customer relationship managers and their teams in preparing financing proposals for consideration in the Bank’s credit committees.
Responsibilities:
As a member of the team, your main tasks will be to:
Conduct independent credit risk analysis and risk classification of assigned Large & SME segment customers. As part of this process you will:
evaluate/adjust customer’s financial figures in order to make grounded statements about the customer’s financial performance, ability to generate cash and cover financial liabilities
calculate credit risk grade 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.)
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
Take initiative and ownership of additional activities towards improvement of wider organizational processes (for example organizing or delivering trainings, presentations, knowledge-sharing sessions; participation or leading various dedicated workstreams, acting as competence center for other units etc.)
Skills and experience:
University degree in Economics, Business Management, Finance, Banking, Econometrics or similar
Professional level of English (written/spoken): sufficient skills for conversations or presentations; able to discuss professional fields with reasonable ease
Fluent in Lithuanian
Prior work experience (>3 years) in financial analysis
Good knowledge of bank credit products
Good business and customer behavior understanding
Ability to perform well in diverse and dynamic teams
Understanding and successful application of customer relationship concept
Have good communication skills and customer focus
Plan, deliver and follow-up your tasks proactively, timely and according to the set quality standards, budget and organization values
Contribute to team and company performance through effective collaboration and acting with energy, enthusiasm and commitment
Take responsibility and initiative in professional self-development and contribute to own and team performance improvement by constructive feedback and relevant suggestions
Why Luminor? What we can offer you:
Dynamic and International working environment that is filled with interesting challenges and opportunities as we build and innovate a new bank together
Varied opportunities to support your professional and personal development and growth
A competitive benefits package in addition to your salary
An additional benefits package for employees after 1 year in the company, which includes additional days of vacation
A collaborative and supportive team where you can create and implement ideas
A salary range for this position from 3000 EUR (Gross*), which is to be determined depending on the level of experience and competencies of the selected candidate
Papildoma informacija: Sveikatos draudimas
Vietovė
- Vilnius, Vilniaus apskritis, Lietuva
- Nuotolinio darbo galimybė
Konstitucijos pr. 21A, Vilnius
Laikas
- Visa darbo diena
Įgūdžiai
Kalbos
- Anglų
Lina Remeikaite
„Luminor“ istorija
Laikais, kai pokytis yra vienintelis pastovus dalykas, buvo sukurtas „Luminor“ – šiuolaikiškas naujos kartos bankas ir finansinių paslaugų teikėjas Lietuvoje, Latvijoje ir Estijoje. Siekiame viską supaprastinti, kad jums būtų lengviau. Mūsų smalsumas įkvepia keistis vardan geresnės ateities. Esame čia, kad padėtume vietos įmonėms ir finansiškai aktyviems, versliems žmonėms. Sujungėme turtingą pirmaujančių Šiaurės šalių bankų „Nordea“ ir DNB patirtį ir gerą vietos rinkos bei klientų poreikių supratimą. Siekiame aptarnauti visas klientų...