Senior Lending Advisor

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.

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

• Gross salary. Starting from 2300 EUR/month, which is to be determined depending on your level of experience and competencies

The application deadline is the 30th of the October. We are looking for a candidate primarily already located within the Baltics. Please apply with your CV in English and PDF format!