June 4, 2026For U.S. Positions: While subject to change based on business needs, Leidos reasonably anticipates that this job requisition will remain open for at least 3 days with an anticipated close date of no earlier than 3 days after the original posting date as listed above.
The candidate will provide support in the review of proposed airspace changes, National Airspace System (NAS) impact analysis, aviation noise studies, Special Use-Military Use Airspace, recurring facility and airspace review work groups/committees, and community outreach.
June 12, 2026For U.S. Positions: While subject to change based on business needs, Leidos reasonably anticipates that this job requisition will remain open for at least 3 days with an anticipated close date of no earlier than 3 days after the original posting date as listed above. K0uk-1dBQ7WrzLTWvoj0e3h6owgxY9IkhiswnaHzTtB3PLzQllgh1Epeh5V9455SfecbAqa2ukXmA6t8vEIo5jBGDEL4VLArgT-j$" rel="nofollow noopener noreferrer" target="_blank">LinkedIn and
Take proactive approach to ongoing portfolio management of client relationships, including timely collection of borrower financial statements using the bank's secure document collection portal, ensuring loans/lines are renewed and/or extended timely, and internal risk rating findings are properly remediated and managed. Review loan requests under $10 million in credit commitments to determine required business documents and financial statements needed for loan approval; collect and upload items to Salesforce, utilizing the bank's secure document collection portal as appropriate.
Work to establish strong relationships with assigned customers to be considered the primary point of contact for those relationships assigned directly to the Portfolio Manager.* Complete all required compliance items for assigned borrowers* Prepares and presents all Watch List/AQR Reports for assigned book* Acts as the internal advocate for assigned book of business internally to ensure borrower's needs are met and Bank requirements are maintained as defined in the loan agreement.* Critical Job Functions* Manage a cross section of accounts within the Portfolio as the internal and external voice for the client with the team objective to free up RM resources to drive revenue growth and new names to KEY.* To implement and manage the CA duties on a variety of complex relationships within the region with the RM continuing to be the quarterback and face of the relationship both internally and externally.*
TerraPower is seeking to hire highly motivated and forward-thinking professionals who are interested in focusing on advanced nuclear reactor research and development and influencing change within the nuclear power landscape. Technically astute as the role requires working internally with advanced reactor programs and project managers to establish plans, financial models, and cash flow scenarios.
As a Financial Analyst you'll be at the heart of our support operations by providing expert financial analysis, draft Offering Memorandums, and provide other analytical work to support transaction management and brokerage services. Partner with multiple brokers, deal teams and producers across the different asset classes including: Commercial, Office, Industrial, Multi-family, Retail, and Tenant rep/Leasing.
As a Senior Analyst in Sales Strategy & Operations, you'll partner closely with Field Sales Leaders, and Business Operations teammates to provide actionable insights and streamline processes around our Corporate business, a critical part of our Commercial segment of the Sales organization. Notice for New York City Applicants & Employees: Okta may use Automated Employment Decision Tools (AEDT), as defined by New York City Local Law 144, that use artificial intelligence, machine learning, or other automated processes to assist in our recruitment and hiring process.
Leverage Salesforce (SFDC) reporting expertise to build and interpret reports and dashboards, translating complex data from systems like Marketo and Gong into clear, actionable insights. In this role, you will serve as a trusted advisor to senior business leaders, translating complex data into clear insights that guide strategy, execution, and optimization across pipeline, revenue, and customer engagement.
Times Square, WA30+ days ago
The Senior Credit Analyst is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of asset classes; assists Relationship and Managers as well as Regional Directors in writing loan request narratives and ongoing portfolio maintenance to include, but not limited to, covenant compliance monitoring. The Senior Credit Analyst will independently interact with clients and prospects to perform all due diligence necessary to extend credit, write up a credit submission, communicate with regional credit authorities and is equipped to present the merits of a credit request in presentation format for the purposes of obtaining credit approval.
SBA Analyst is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for SBA 7a loans; assists SBA Loan Officers, Relationship Managers and the SBA Program Manager in writing loan requests; provides mentoring/coaching support to junior Analysts; promotes business for the Bank by maintaining good client relations and referring clients to appropriate staff for new services. Assists SBA Loan Officers, Relationship Managers and the SBA Program Manager in gathering data from clients and internal and outside sources; prepares spreadsheets and analyzes financial information, including financial statements and tax returns; contacts clients for additional information and clarification of data.
Clyde Hill, WA30+ days ago
Company & Industry Acumen - Consistently demonstrates a breadth of industry and company knowledge and viewed by peers and external leaders as a key resource; has the ability to extract key findings from an analysis and relay that information to key stakeholders; works to refine and expand knowledge base continually and drives improvement throughout processes. Assists with daily cash management operations including monitoring daily cash position and incoming receipts, processing outgoing wire transfers and payments, reconciling bank account activity, validating accounting entries and transaction documentation, and forecasting daily cash flow.
Our Financial Analysts provide relationship management and support to PWM by monitoring portfolio holdings, analyzing asset allocations, researching potential investments, understanding financial market developments and trends, and executing trades while gaining a broad-based understanding of the asset management business. Our Private Wealth Advisors (PWAs) deliver an unparalleled investment platform inclusive of the full product and service offerings of Goldman Sachs and beyond, which may include tax and estate planning, philanthropic planning and private banking and lending services.
Whether you've got deep experience in commercial real estate, skilled trades or technology, or you're looking to apply your relevant experience to a new industry, join our team as we help shape a brighter way forward. child care, elder care), nationality, ethnic or national origin or ancestry, citizenship, marital status, civil partner status, sexual orientation, gender identity or expression, transgender status, veteran’s status, genetic information, trade union membership, social position, political view or status as a qualified individual with a disability, protected leave status or any other protected characteristic in accordance with applicable law.
Whether you've got deep experience in commercial real estate, skilled trades or technology, or you're looking to apply your relevant experience to a new industry, join our team as we help shape a brighter way forward. child care, elder care), nationality, ethnic or national origin or ancestry, citizenship, marital status, civil partner status, sexual orientation, gender identity or expression, transgender status, veteran’s status, genetic information, trade union membership, social position, political view or status as a qualified individual with a disability, protected leave status or any other protected characteristic in accordance with applicable law.
Our predictive analytics and Liquid Data® platform help clients measure market share, uncover consumer behavior, and drive growth-powered by six decades of expertise and an expansive, high-quality data set. You'll dive deep into retailer-level performance, household purchasing behaviors, business reviews, and custom projects-advocating for the client's needs while identifying new opportunities to grow our partnership.
Responsible for protecting and maintaining all Controlled Unclassified Information (CUI) appropriately to prevent unauthorized access, dissemination, or use of this information, documentation, or products; including authorized and proper use of such information in regard to marking, storing, transmitting, and destruction of data. Starting as a hardware supply store during the California Gold Rush and eventually assisted in the birth of the aerospace industry in Southern California by providing aircraft aluminum to early aerospace pioneers like Lindbergh, Douglas and Lockheed.
Job Duties: Conduct long-term solar resource and energy production assessments for all scales including utility-scale, distributed generation, residential, commercial & industrial, microgrids, and community solar. Conduct long-term solar resource and energy production assessments for all scales including utility-scale, distributed generation, residential, commercial & industrial, microgrids, and community solar.
The role manages scheduling, enrollments, materials, communications and data tracking to ensure timely execution of trainings, simulations and organizational events; provides facilitator support for simulations and instructor-led courses; coordinates requisition management, resume screening, interview scheduling and new-hire start activities; and maintains learning platform content, reporting and completion tracking. * Provide facilitation and event support: facilitator scheduling, prep meetings, reminders, printed materials/scripts, materials production, audio/visual logistics and onsite setup (including factory tours).
and/or transports placardable amounts of hazardous materials by ground in any vehicle on a public road while in commerce, may be subject to additional Federal Motor Carrier Safety Regulations including: Driver Qualification Files, Medical Certification (obtained before onboarding), Road Test, Hours of Service, Drug and Alcohol Testing (CDL drivers only), vehicle inspection requirements, CDL requirements (if applicable) and hazardous materials transportation/shipping training. ITAR RequirementsTo conform to U.S. Government commercial space technology export regulations, including the International Traffic in Arms Regulations (ITAR), 8 U.S.C. § 1324b(a)(3), applicants for employment at Blue Origin must be a U.S. citizen or national, lawfully admitted for permanent residence into the U.S. (i.e. current green card holder), or lawfully admitted as a refugee or granted asylum under 8 U.S.C. § 1157-1158.
Client Commercial Airplanes is looking for Associate and Experienced Non-Destructive Test (NDT)Specialists to support the In-Service NDT team based in Tukwila, WA on first shift. Above all, Employees will be provided the opportunity to seek, speak, and listen within the organization which they are encouraged to share externally with each Boeing customer to build balanced work relationships.
This role requires you to establish consistent, measurable evaluation criteria across regions so that performance is comparable and gaps are identifiable at a global level, build initial statistical models to test defined hypotheses, and maintain global dashboards and portfolio statistics ensuring regional teams across AMER, EMEA, and APAC are aligned and reporting consistently. You will integrate multiple data sets including audit results, energy and water performance metrics, maintenance data, and survey responses into a unified analytical framework that surfaces cross-portfolio patterns, correlations, and at-risk sites that no single data stream could reveal on its own.
East Port Orchard, WA30+ days ago
LMI is seeking a skilled Operations and Logistics Analyst (Regional) to provide regional support (East Coast/West Coast) to the Naval shipyards with locations being Bremerton, WA, Pearl Harbor, HI, Kittery, ME or Portsmouth, VA. Leveraging our mission-ready technology and solutions, proven expertise in federal deployment, and strategic relationships, we enhance outcomes for the government, efficiently and effectively.
Conducts research in the firm's conflicts database and commercial database services including both simple and complex searches on personal and corporate names for the purpose of determining whether actual or potential conflicts exist. The Conflicts Analyst is responsible for performing and analyzing specific Conflict of Interest research and corresponding Conflicts results and/or assessments regarding new business and lateral hire searches for incoming attorneys.
Cross-Functional / Internal Liaison: Act as a day-to-day point of contact for internal cross-functional teams (commercial, marketing, SCM, finance, product) for assigned categories; support preparing meeting materials and maintaining/documenting category plans. Go-To-Market Support: Support in GTM activities of new product launches including supporting creation of sell-in material, tracking performance, managing readiness, providing input to inform GTM strategy and activities.
Summary: The Senior Insights Analyst serves as a strategic thought partner to Sales Operations and cross functional stakeholders by delivering advanced, insight driven analysis that shapes commercial strategy and business decisions. While performing the duties of this job, the employee is regularly required to stand, walk and sit; talk or hear, both in person and by telephone; use hands to finger, handle or feel objects or controls; reach with hands and arms; stoop, kneel, or crouch.
and/or transports placardable amounts of hazardous materials by ground in any vehicle on a public road while in commerce, may be subject to additional Federal Motor Carrier Safety Regulations including: Driver Qualification Files, Medical Certification (obtained before onboarding), Road Test, Hours of Service, Drug and Alcohol Testing (CDL drivers only), vehicle inspection requirements, CDL requirements (if applicable) and hazardous materials transportation/shipping training. ITAR RequirementsTo conform to U.S. Government commercial space technology export regulations, including the International Traffic in Arms Regulations (ITAR), 8 U.S.C. § 1324b(a)(3), applicants for employment at Blue Origin must be a U.S. citizen or national, lawfully admitted for permanent residence into the U.S. (i.e. current green card holder), or lawfully admitted as a refugee or granted asylum under 8 U.S.C. § 1157-1158.
Develop and drive PSE's product positioning, go-to market (GTM) and growth strategies to support the development, launch and ongoing operation of energy efficient programs and services, such as residential, multifamily and commercial rebates, and other new clean energy programs in development for residential and commercial customers. Lead the GTM work stream for assigned programs and services including: crafting of positioning; identifying target markets; documenting marketing requirements; articulating goals and objectives; establishing success metrics; and ensuring an optimal customer experience.
Quality Assurance and Testing: Develop and execute comprehensive test plans to validate the functionality and performance of partner-facing solutions, downstream system functionalities and supporting internal workflows - including ad hoc regression testing for cross-functional initiatives impacting partner experience and/or partner-related data. Partners have deep strategic customer relationships in addition to multiplying coverage in markets we can't cost-effectively reach directly - and co-sell deals close at higher win rates because partners bring relationships, implementation credibility, and local trust that no direct team can replicate.
and/or transports placardable amounts of hazardous materials by ground in any vehicle on a public road while in commerce, may be subject to additional Federal Motor Carrier Safety Regulations including: Driver Qualification Files, Medical Certification (obtained before onboarding), Road Test, Hours of Service, Drug and Alcohol Testing (CDL drivers only), vehicle inspection requirements, CDL requirements (if applicable) and hazardous materials transportation/shipping training. As a member of the Operations Finance organization, you will drive key initiatives to improve the quality and timeliness of insights provided to business leadership, assisting them in understanding financial and product cost performance, develop tools to enable proactive financial management, and provide insights to enable critical business decisions.
Work closely with the Credit Campus to complete quarterly/annual reviews and renewals on assigned book of business to determine appropriate risk rating, covenant compliance and all related items. Location: Critical Job Functions • Manage a cross section of accounts within the Portfolio as the internal and external voice for the client with the team objective to free up RM resources to drive revenue growth and new names to KEY.
Take proactive approach to ongoing portfolio management of client relationships, including timely collection of borrower financial statements using the bank's secure document collection portal, ensuring loans/lines are renewed and/or extended timely, and internal risk rating findings are properly remediated and managed. Review loan requests under $10 million in credit commitments to determine required business documents and financial statements needed for loan approval; collect and upload items to Salesforce, utilizing the bank's secure document collection portal as appropriate.
GM Financial is the wholly owned captive finance subsidiary of General Motors and is headquartered in Fort Worth, U.S. We are a global provider of auto finance solutions, with operations in North America, South America, and the Asia Pacific region. In this role you will: The Senior Credit Analyst is responsible for researching and analyzing credit risks, assessing credit history, and approving or denying extension of credit to potential customers.
You'll make an impact by: • Working on financial models to support financing transactions • Preparing marketing materials for use in client meetings (covering topics such as financing alternatives, working capital optimization, and industry analysis) • Learning how to identify treasury product solutions to benefit clients' long-term planning • Collaborating with deal teams regarding business development strategy, including the identification of potential prospects • Developing an understanding of the full breadth of J.P. Syndicated Finance Group Analysts support the origination, structuring, pricing, negotiation, and distribution of loan syndications for Middle Market and Commercial Real Estate clients in North America by collaborating on debt transactions-including financial modeling, cash flow analysis, term sheet development, credit and capital market presentations-preparing offering and marketing materials for investors, and working with credit professionals on transaction legal documentation.
Lead and support project management initiatives in collaboration with LOBs, offshore partners, Risk/Control, and other stakeholders to strengthen compliance, governance, product capabilities, and operational efficiency. Independently perform/approve financial covenant compliance calculations and verify collateral margining to assess credit quality and borrowing base availability.
AdditionalLocations-[ --{ ----"city":-"Pasadena", ----"region":-"CA", ----"country":-"United-States" --}, --{ ----"city":-"Oakland", ----"region":-"CA", ----"country":-"United-States" --}, --{ ----"city":-"Honolulu", ----"region":-null, ----"country":-null --}, --{ ----"city":-"Rockville", ----"region":-null, ----"country":-null --}, --{ ----"city":-"Aurora", ----"region":-null, ----"country":-null --}, --{ ----"city":-"Portland", ----"region":-"OR", ----"country":-"United-States" --}, --{ ----"city":-null, ----"region":-"Washington", ----"country":-"United-States" --}, --{ ----"city":-"Alexandria", ----"region":-null, ----"country":-null --}, --{ ----"city":-"Renton", ----"region":-null, ----"country":-null --} ] custom_fields. Drives strategic data-informed decisions by consulting with clients to identify and clarify key business needs; developing outcomes and process measures; translating business requirements; determining data/information needs and data collection methods; developing analysis plans; measuring the impact of business decisions on clients, customers, and/or members; working with clients and staff to identify opportunities and methods to improve efficiencies with analysis; supporting and training end-users; and documenting processes and deliverables.
Alabama - Home Teleworkers, Alabama - Home Teleworkers, Arizona - Home Teleworkers, Arkansas - Home Teleworkers, California - Home Teleworkers, Colorado - Home Teleworkers, Connecticut - Home Teleworkers, Delaware - Home Teleworker, District of Columbia - Home Teleworkers, Florida - Home Teleworkers, Georgia - Home Teleworkers, Idaho - Home Teleworkers, Illinois - Home Teleworkers, Indiana - Home Teleworkers, Iowa - Home Teleworkers, Kansas - Home Teleworker, Kentucky - Home Teleworkers, Louisiana - Home Teleworkers, Maine Home Teleworkers, Maryland - Home Teleworkers, Massachusetts - Home Teleworkers, Michigan - Home Teleworkers, Minnesota - Home Teleworkers, Mississippi - Home Teleworker, Missouri - Home Teleworker {+ 21 more}. Partners cross-functionally with Claims Operations Support, TPA relationship managers, business leadership, Legal/Compliance teams, and operational partners to identify risks, evaluate performance trends, and develop solutions that support operational excellence and regulatory compliance.
p>Alabama - Home Teleworkers, Alabama - Home Teleworkers, Arkansas - Home Teleworkers, Colorado - Home Teleworkers, Connecticut - Home Teleworkers, Delaware - Home Teleworker, District of Columbia - Home Teleworkers, Florida - Home Teleworkers, Georgia - Home Teleworkers, Idaho - Home Teleworkers, Illinois - Home Teleworkers, Indiana - Home Teleworkers, Iowa - Home Teleworkers, Kansas - Home Teleworker, Kentucky - Home Teleworkers, Louisiana - Home Teleworkers, Maine Home Teleworkers, Maryland - Home Teleworkers, Massachusetts - Home Teleworkers, Michigan - Home Teleworkers, Minnesota - Home Teleworkers, Mississippi - Home Teleworker, Missouri - Home Teleworker, Montana - Home Teleworkers, Nebraska - Home Teleworkers {+ 20 more}. Pursuit or completion of industry-relevant continuing education, including graduate degrees, MBS, risk and insurance designations from The Institutes (AINS, AIC, ARM, CPCU, etc.), or actuarial exams and designations (ACAS, FCAS, CERA).
Job Description Summary: The IT Commercial Operations Analyst serves as BTech's commercial hub; owning the end-to-end lifecycle of technology contracts, leading vendor negotiations with a structured playbook, and providing spend visibility across IT vendor and contract investments. The Analyst owns contract lifecycle management, supports vendor performance and risk oversight, and provides clear insight into technology spend, obligations, and opportunities for optimization.
Lead and support project management initiatives in collaboration with LOBs, offshore partners, Risk/Control, and other stakeholders to strengthen compliance, governance, product capabilities, and operational efficiency + May manage workflow of other analysts by aligning tasks with departmental goals and objectives + May assume oversight responsibility for support of a business or group, or serve as the primary owner for a key team accountability or product/service. **Intermediate level of proficiency:** + Problem Solving + Collaboration + Detail-Oriented + Portfolio Management + Credit Risk Assessment **Advanced level of proficiency** **:** + Operations + Financial Analysis **Salary:** $69,000.00 - $127,800.00 **Pay Type:** Salaried The above represents BMO Financial Group's pay range and type.
Job Title Senior Commercial Insurance Analyst - Remote Requisition Number R7696 Senior Commercial Insurance Analyst - Remote (Open) Location Arizona - Home Teleworkers Additional Locations Alabama - Home Teleworkers, Alabama - Home Teleworkers, Arkansas - Home Teleworkers, California - Home Teleworkers, Colorado - Home Teleworkers, Connecticut - Home Teleworkers, Delaware - Home Teleworker, District of Columbia - Home Teleworkers, Florida - Home Teleworkers, Georgia - Home Teleworkers, Idaho - Home Teleworkers, Illinois - Home Teleworkers, Indiana - Home Teleworkers, Iowa - Home Teleworkers, Kansas - Home Teleworker, Kentucky - Home Teleworkers, Louisiana - Home Teleworkers, Maine Home Teleworkers, Maryland - Home Teleworkers, Massachusetts - Home Teleworkers, Michigan - Home Teleworkers, Minnesota - Home Teleworkers, Mississippi - Home Teleworker, Missouri - Home Teleworker, Montana - Home Teleworkers {+ 20 more} Job Information We're Mobilitas, a commercial insurance company created by CSAA Insurance Group. Education, Work Experience, Licenses & Certifications Required: Bachelor's degree in mathematics, business, statistics, economics, computer science or equivalent combination of education and experience 6+ years of analytical experience in related industry; multiple functions experience is preferred Preferred: Advanced degree in related field and/or CPCU designation 0 - 2 years Leadership and mentoring experience The national average salary range for this position is $110,700.00-$123,000.00.
Internet Brands' award-winning consumer websites lead their categories and serve more than 250 million monthly visitors, while a full range of web presence offerings has established deep, long-term relationships with SMB and enterprise clients. IB Legal is consolidating multiple legacy businesses into a unified commercial platform, and this role will flex both strategic thinking and tactical execution to support pricing, performance, and customer insights across products and channels.
Mill Creek, WA30+ days ago
Relationship Managers will be expected to partner with the appropriate commercial banking colleagues (Loan Coordinators, Credit Analysts) to deliver credit relationships with the guidance of Credit Administration, the Senior Relationship Manager, Division Manager or Director. Must be proficient with Microsoft Office applications, (primarily WORD, PowerPoint and EXCEL); Experience with LaserPro (CFI) desired; Position requires clear and concise verbal and written communication skills including good customer relations skills.
We also offer the following (some perimeters apply): Tenure Bonus Program, Continuing Education/Tuition Assistance - up to $2,500 per year, Student Loan Debt Repayment - up to $100 per month, ORCA Passport/Transportation Alternatives/Benefit Allowance, Charitable Donation Matching Program, Gym/Health monthly reimbursement, Pet Insurance monthly reimbursement, Employee mortgage and consumer loans, Banking services (of course!) free of normal service charges, Employee Recognition Program. Voluntary benefits include: Health Savings Account (HSA), Voluntary Life & AD/D, Accident Plan, Critical Illness Coverage, Short-term Disability, Long-term Disability, Flexible Spending Account (FSA) and Dependent Care Account.
Actively involved in instilling and maintaining a positive sales environment through education of the Bank's products and services; investigates and follows up on significant changes in status of existing customers; focuses on quality customer maintenance responsibilities; meets with customers to discuss needs and outlines appropriate Bank services; resolves customer concerns or problems as necessary. A Senior Commercial Portfolio Manager (CRE) is responsible for managing existing commercial bank relationships, which includes the sale and underwriting of credit and non-credit products offered within the commercial bank.
Seattle, Washington13 days ago
Actively involved in instilling and maintaining a positive sales environment through education of the Bank’s products and services; investigates and follows up on significant changes in status of existing customers; focuses on quality customer maintenance responsibilities; meets with customers to discuss needs and outlines appropriate Bank services; resolves customer concerns or problems as necessary. Job Summary: A Senior Commercial Portfolio Manager (CRE) is responsible for managing existing commercial bank relationships, which includes the sale and underwriting of credit and non-credit products offered within the commercial bank.
Provides general support to other areas within Loan Servicing including boarding of new loans, reviewing loan documents for accuracy and data entry in records management system; fielding 1098 inquiries and accuracy for reporting, final approver for mortgage verifications, ACH changes, amortization schedules, wiring instructions and assumption processing. Download and compile CRE loan documentation including loan documents, organizational documents, title insurance policies, third party reports, leases, borrower financials, NOI Analysis and inspections, and servicing system information.
Execute funding process including the finalization and transmittal of final loan documents, calculation of funding wire, communication with escrow, system inputs, file organization, verification of document execution and wiring procedures. This means we provide products and services people need at a competitive price, we communicate clearly and openly so people understand what they''re buying, and we design products--and operate our company--to stand the test of time.
Were building the infrastructure that lets large institutional clients in crypto, fintech, and enterprise finance manage their money at SoFi - real-time payments, multi-account treasury management, and a closed-loop settlement network that operates 24/7/365. Build enterprise-grade identity, RBAC, and maker/checker approval systems that support complex organizational structures (CFOs, treasury managers, analysts, auditors - each with scoped account access, per-rail permissions, and configurable payment limits).
Digital Fluency: Effectively uses digital tools and technology appropriately to find, evaluate, create, and communicate information understands how to navigate digital platforms, use software applications, and leverage technology for productivity and communication purposes. Customer Centricity: Makes customers/clients and their needs a primary focus of one's actions; shows interest in and understanding of the needs and expectations of internal and external customers; gains customer trust and respect; meets or exceeds customer expectations.