Senior Credit Analyst

As a Senior Credit Analyst, you will be foremost responsible for the objective analysis of credit risk for assigned large segment customers.

• 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

• 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

• 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.