ABOUT THE JOB

Decision Maker ensures customer needs, business targets and risk appetite-oriented approach to processes and makes decisions for business leasing. Follows  our 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

What Makes You a Great Fit:

• Educational background in Finance, Banking, Economics or any related field
• Prior 1-2 years of experience in business customer financing field (lending or leasing)
• Strong analytical skills (business customer financial and operational analysis)
• Ability to find reasonable balance between business and credit risk appetite
• Knowledge of gathering, systematizing and presenting information
• Excellent customer service, communication and negotiation skills
• Ability to handle multiple task streams at the same time, assign correct priorities, and complete individual and joint tasks on time
• Curiosity, a constant desire to learn and improve
• Fluent Estonian and English is required in spoken and written communication due to working on the Pan-Baltic level

Why 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 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. 
• 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
• Gross salary. 2,300 – 2,600 EUR/month, which is to be determined depending on your level of experience and competencies

Are you interested in this position?

Apply by clicking on the “Apply Now” button below!
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