Underwriting Team Lead

The Underwriting Team Lead is responsible for leading and supervising the underwriting team ensuring highquality credit decisionmaking compliance with internal policies and regulatory requirements and efficient loan processing.
This role plays a key part in maintaining underwriting quality optimizing processes supporting collaboration across departments and contributing to the overall portfolio performance of TF Bank Lithuania.

Key Responsibilities

Team Leadership & Operations

• Lead coach and support the underwriting team to ensure consistent highquality loan decisions.

• Monitor team performance workload distribution and adherence to service level agreements (SLAs).

• Ensure professionalism accuracy and consistency in underwriting activities.

• Act as escalation point for complex or exceptional underwriting cases.

Underwriting & Credit Decisions

• Oversee review and processing of loan applications in accordance with internal credit policies.

• Verify completeness and correctness of documents submitted for credit assessment.

• Address deficiencies in incomplete or incorrect applications.

• Approve loan applications within assigned authorization limits.

• Collaborate with the Senior Underwriter on complex or strategic credit decisions.

Process Improvement & Collaboration

• Actively participate in developing reviewing and implementing underwriting procedures and workflow improvements.

• Work closely with Sales Customer Service Precollection and other departments to optimize the loan approval process.

• Ensure smooth handover of cases to debt collection where applicable including documentation and explanations related to credit assessments.

Compliance & Risk

• Ensure compliance with internal rules regulatory requirements AML procedures and document retention standards.

• Identify and report suspicious or unusual transactions to the AML contact person.

• Maintain strict confidentiality of client and bank information.

Additional Responsibilities

• Communicate with clients within the scope of underwriting responsibilities when required.

• Perform additional tasks assigned by the Head of Operations Lithuania aligned with the roles objectives.

Qualifications & Experience

Professional Experience

• Experience in underwriting credit risk assessment or other operational team leadership roles (e.g. Customer Service Collections Operations).

• Solid people management experience including:

  • leading teams

  • setting tracking and improving KPIs

  • ensuring performance against agreed service levels.

• Strong understanding of operational processes quality control and workflow optimization.

• Ability to quickly learn underwriting principles credit policies and riskbased decisionmaking processes.

• Experience in developing documenting and implementing processes procedures and internal guidelines.

• Prior experience mentoring or supporting team members is considered a strong advantage.

Education & Language

• Higher education degree (Finance Banking Business Administration or similar preferred).

• Proficiency in the local language (spoken and written).

• Intermediate proficiency in English.

Skills & Competencies

• Strong analytical thinking and problemsolving skills.

• Leadership and people management capabilities.

• Ability to ensure high quality consistency and accuracy of underwriting decisions.

• Ability to work crossfunctionally and communicate effectively with other departments.

• Strong organizational skills and ability to manage priorities.

• Computer literacy: databases spreadsheets word processing tools and internal systems.

• Ability to work under pressure while maintaining accuracy and professionalism.

Personal Characteristics

• High stress tolerance attention to detail and sense of responsibility.

• Professionalism integrity and discretion.

• Strong communication and collaboration skills.

• Adaptability and willingness to support continuous improvement.

What we offer

• A Scandinavian work culture focused on trust transparency and respect for people and time.

• An opportunity to make a real impact and contribute to the banks growth in the Lithuanian market.

• Health insurance and additional health days.

• A supportive and professional team with a collaborative working environment.

• Opportunities for learning growth and professional development.

• The possibility to work remotely up to one day per week.

• Snacks and coffee available at the office.