NewDialysis Program Manager Registered Nurse - RN Fresenius Medical CareDialysis Program Manager Registered Nurse - RNHermantown, MN$87,000–$131,000 / yearOversees patient and caregiver readiness and ability to perform dialysis treatments at home and assesses environment for suitability in the ongoing delivery of home dialysis therapy, including training patients and caregivers on the safe and effective operation and preventative maintenance of equipment. Ensures competency of staff in the operation of all home dialysis therapy-related equipment, including the ability to troubleshoot equipment problems with the patient via telephone, maintaining appropriate staff licensures and CPR certifications.
STORE MANAGER CANDIDATE IN MOOSE LAKE, MN Dollar GeneralSTORE MANAGER CANDIDATE IN MOOSE LAKE, MNMoose Lake, MNAssist with store merchandising by facilitating and/or participating in staging, stocking and storage of merchandise; ensuring that merchandise is presented according to established practices and store manager direction; and properly utilizing merchandise fixtures, signing and pricing of merchandise. Every day.® by offering products that are frequently used and replenished, such as food, snacks, health and beauty aids, cleaning supplies, basic apparel, housewares and seasonal items at everyday low prices in convenient neighborhood locations.
NewLead Diesel Mechanic & Shop Manager AvenicaLead Diesel Mechanic & Shop ManagerSuperior, WI$85,000–$100,000 / yearAvenica has partnered with our customer-a locally owned, family-oriented hauling company serving the greater Duluth, MN area since 1952-to hire a Shop Manager / Tech Lead to oversee their growing fleet of 30+ trucks. It's a hands-on leadership role for an experienced diesel professional who can split their time between mentoring a growing team and diving into complex diagnostics and repairs.
NewStore Manager SafeliteStore ManagerDuluth, MNOversee the daily operations of the store, including: open and closing procedures, work order management, performing the CICO (Check-In, Check-Out) procedures, providing high levels of customer service, staffing and scheduling and/or making necessary modifications, inventory management and proper cash handling. Drive team performance to ensure key performance indicators (KPI's) and company goals are met or exceeded, including but not limited to: Net Promoter Score, Time to Serve, job completion, customer conversion and quality metrics, as well as compliance with federal, state and local regulations.
Assistant General Manager Panera BreadAssistant General ManagerDuluth, MN$22.50–$27Be an ambassador of our Guiding Values and Behaviors by making people smile, learning and growing together, finding solutions and taking initiative, working (and winning) as a team, having fun and celebrating success, and seeing the best in others! Lead, manager and develop team members by coaching, inspiring, and motivating them to exceed goals in sales, speed, order accuracy, and guest experience – and celebrate their achievements along the way.
NewService to the Armed Forces: Specialist - Minot Air Force American National Red CrossService to the Armed Forces: Specialist - Minot Air ForceDuluth, MNRecruits and trains leadership volunteers to support placement and supervision of staff and programs in the delivery of SAF/IS U.S. programs and services, Training Services, Disaster Cycle Services, and providing support to Armed Forces Blood Services. Cultivates relationships and partnerships with external constituents in the local community, including government organizations, corporate partners, civic organizations, and other community charitable and nonprofit agencies with the purpose of furthering the mission of the Red Cross.
Bilingual Assistant Community Manager Westdale Asset ManagementBilingual Assistant Community ManagerDuluth, MN$21–$25 / hourWe are searching for an Assistant Community Manager to join our team at our 239-unit apartment community in Duluth! Monthly new lease and renewal AND quarterly performance bonuses are paid in addition to base pay.*.
Senior Project Manager / PE, Highway Design Toltz, King, Duvall, Anderson, and Associates IncSenior Project Manager / PE, Highway DesignDuluth, MN$12–$20 / hourYou will collaborate with the Highway Group Manager and the Vice President of Surface Transportation Engineering to further advance our services and enhance our reputation by contributing to the development of marketing plans, cultivating / maintaining relations with clients and agency representatives, tracking prospective opportunities, developing proposals, and delivering client presentations. In the event TKDA receives an unsolicited resume without a service agreement in place, TKDA will not be obligated to pay a service fee of any amount nor will TKDA be held liable to terms or conditions under any agreement of any kind that has not been authorized in writing by a TKDA officer.
NewRetail Store Manager Charter Communications IncRetail Store ManagerDuluth, MN$57,400–$95,000 / yearGet to Know Us Charter Communications provides superior communication and entertainment products for residential and business customers through the Spectrum brand. Beyond our connectivity solutions, we also provide local news, programming and regional sports via Spectrum Networks and multiscreen advertising solutions via Spectrum Reach.
Pharmacy Manager Walgreen CoPharmacy ManagerDuluth, MN$6,694.80–$7,354.20 / weekWalgreens has approximately 220,000 team members, including nearly 90,000 healthcare service providers, and is committed to being the first choice for pharmacy, retail and health services, building trusted relationships that create healthier futures for customers, patients, team members and communities. Models and shares customer service best practices with all team members to deliver a distinctive and joyful patient experience, including interpersonal habits that show care (e.g., greeting, eye contact, courtesy, etc.) and Walgreens service traits (e.g., demonstrating curiosity to identify needs and proactively helping, servicing until satisfied, championing empathy and inclusivity, etc.).
Community & Strategic Relationship Manager Essentia HealthCommunity & Strategic Relationship ManagerDuluth, MinnesotaThe manager drives strategy to activate positive public perception, managing community giving programs that align with organizational values, cultivating school partnerships to expand market share, and designing employee appreciation, volunteerism and recognition programs to boost morale and engagement. Position is operates remotely, however, candidate will need to sit in the Duluth/ Twin Ports area as this person will participate in community events and meetings with external partners in the Twin Ports areas regularly (approximately 8-10 days a month).
Property Manager - Lincoln Park Apartments Sherman AssociatesProperty Manager - Lincoln Park ApartmentsDuluth, MNKeyword: Property Manager, Community Manager, Apartment Manager, Housing, Affordable, Compliance, Leasing, marketing, Management, Residential, HUD, management, Manager, Building, real estate, CPM, CAM. 1-3 years of industry experience within residential real estate; or an equivalent number of years of education and real estate management experience.
Human Resources Manager TreeHouse FoodsHuman Resources ManagerGreen, WI$99,200–$148,800 / yearAn employee's position within the salary range will be based on several factors including, but not limited to, specific competencies, relevant education, qualifications, certifications, experience, skills, seniority, geographic location, performance, shift, travel requirements, sales or revenue-based metrics and business or organizational needs. You'll add value to this role by performing various functions including, but not limited to: Foster strong partnerships with operations and production teams to drive business results while ensuring compliance with internal and external guidelines and regulations.
Retail Print Manager Office DepotRetail Print ManagerDuluth, MN$23–$26 / hourAbout The ODP Group : The ODP Group, through its business entities ODP Business Solutions and Office Depot, is a leading provider of products, services, and technology solutions through an integrated business-to-business (B2B) distribution platform and omnichannel presence, which includes world-class supply chain and distribution operations, dedicated sales professionals, online presence, and a network of Office Depot and OfficeMax retail stores. . Disclaimer : The above statements are intended to describe the general nature and level of work being performed by Coworkers assigned to this classification and are not intended to be a complete list of all responsibilities, duties and skills required of Coworkers so classified.
Dental Office Manager Aspen Dental Management IncDental Office ManagerDuluth, MN$60,000–$65,000 / yearHow You'll Make a Difference: As a Dental Office Manager, you will lead the office in all office operations in support of the doctors to help create lasting impressions and build trust and loyalty with patients. When you join an Aspen Dental practice, you'll participate in an extensive, ten-week training program to gain business and leadership knowledge designed to help you succeed and grow within our organization.
Merchandising Assistant Manager Dollar Tree IncMerchandising Assistant ManagerDuluth, MNYour Role at Dollar Tree: As a Merchandise Assistant Manager at Dollar Tree, you'll join our Store Manager in leading a dynamic team of associates and creating positive experiences for the communities we serve. Responsible for maintaining the cleanliness throughout the store, including cleaning and restocking bathrooms, sweeping and mopping floors, taking out the trash, and ensuring all areas are neat and presentable.
Case Manager (RN or LCSW), Military & Family Support Services (Remote) MaximusCase Manager (RN or LCSW), Military & Family Support Services (Remote)Duluth, MNRemoteFull timeMaximus compensation is based on various factors including but not limited to job location, a candidate's education, training, experience, expected quality and quantity of work, required travel (if any), external market and internal value analysis including seniority and merit systems, as well as internal pay alignment. - Certification as a case manager by a recognized certifying organization, such as the Commission for Case Manager Certification, American Case Management Association, or American Nurses Credentialing Center; or ability to obtain certification within one (1) year of hire.
Store Manager Burlington StoresStore ManagerDuluth, MinnesotaIf you are interested in growing your retail management career with one of the largest and fastest growing off-price retailers in the nation, join the Burlington Stores team as a Store Manager! As a Store Manager, you’ll be responsible for successfully managing all store operations tasks to maximize sales results while bringing “Our Burlington” values to life in your store.
Transmission Line Project Manager - Remote WSP Global IncTransmission Line Project Manager - RemoteDuluth, MNRemote$119,600–$174,400 / yearProvide PM leadership for small/medium/large scale/more complex high voltage and EHV Transmission Line projects ensuring support for preparing and overseeing project detailed design, budgets, forecasts, margins and KPIs, monitoring external events and risk contingencies, ensuring satisfactory performance, and managing the contractual obligations to deliver the project or assigned portfolio of assigned project(s) as defined in the contract and client's expectations. The successful candidate will be responsible for managing technical, schedules, quality, and financial aspects of Power and Energy Transmission Line projects, managing and developing client relationships, and marketing WSP's Power Delivery services to existing and new clients, particularly in the Midwest region.
Part Sales Manager - Full Time AutoZone IncPart Sales Manager - Full TimeDuluth, MNAs permitted by state or local law, AutoZone may consider certain offenses to be relevant to positions responsible for conducting or overseeing financial transactions on behalf of AutoZone, driving company vehicles and/or supervision of minors. Parts Sales & Inventory Management - Lead efforts to exceed sales targets, optimize inventory levels, and ensure timely returns processing and merchandising.
NewT-Mobile - Retail Assistant Manager - Duluth, MN United WirelessT-Mobile - Retail Assistant Manager - Duluth, MNDuluth, MN$14–$16 / hourFull timeHeadquartered in Farmington Hills, Michigan and Established in 2007, we have grown to over 125 locations in 13 states, making us one of the fastest-growing wireless retailers in the nation. Benefits (Full-Time Employees):Health insuranceDental insuranceVision insuranceLife insuranceShort-term & Long-term disability coveragePaid time off (PTO)Pay & Compensation:This is an hourly position with a starting pay rate of $14.00 - $16.00 per hour, based on experience and qualifications.
Assistant Manager - Miller Hill Mall, Hollister Abercrombie & FitchAssistant Manager - Miller Hill Mall, HollisterDuluth, MinnesotaThe company operates a family of brands, including Abercrombie brands and Hollister brands, each sharing a commitment to offer products of enduring quality and exceptional comfort that support global customers on their journey to being and becoming who they are. Abercrombie & Fitch Co. operates stores under these brands across North America, Europe, Asia and the Middle East, as well as the e-commerce sites abercrombie.com, abercrombiekids.com and hollisterco.com.
MANAGER -SURGICAL SERVICES - SURGERY ADMINISTRATION Aspirus IncMANAGER -SURGICAL SERVICES - SURGERY ADMINISTRATIONDuluth, MN$46.41–$74.27 / hourEducation: Bachelors Degree plus one (1) year supervisory/management experience (may include charge, AHN, HN, Clinic Manager, Administrative Supervisor, etc.) - OR - Associate Degree in Nursing or its equivalent in related field plus two (2) years supervisory/management experience at St. Luke's (may include charge, Lead Tech, AHN, HN, Administrative Supervisor, Clinic Manager, etc.). Ability to project and articulate needs of department and staff; plan, delegate and guide the work of subordinates; establish and maintain harmonious working relationships with all levels of personnel and medical staff; to understand and accept personal responsibility; to pursue independent study; to plan, organize, evaluate and promote work activities of assigned clinical areas.
MANAGER- DENIALS PREVENTION - CENTRAL BILLING OFFICE Aspirus IncMANAGER- DENIALS PREVENTION - CENTRAL BILLING OFFICEDuluth, MN$39.62–$63.41 / hourThe health system operates 18 hospitals and 130 outpatient locations with nearly 14,000 team members, including 1,300 employed physicians and advanced practice clinicians. This role focuses on proactive denial prevention across all points of the revenue cycle-from patient access to billing-by collaborating with clinical, operational, and financial stakeholders across the health system.
NewAssistant Manager Tractor Supply CoAssistant Managercloquet, MN$18–$22.40 / hourOur benefits extend beyond medical, dental, and vision coverage, including company-paid life and disability insurance, paid parental leave, tuition reimbursement, and family planning resources such as adoption and surrogacy assistance, for all full-time Team Members and all part-time Team Members. In the updated store operating model, Assistant Store Manager responsibilities align to store-volume leadership structure and may transition into Store Operations Manager ownership in designated stores.
Project Manager - Transportation MSA Professional Services, Inc.Project Manager - TransportationDuluth, Minnesota$97,700–$156,400 / yearAs a key member of our Mobility team, you will lead multidisciplinary project teams, manage client relationships, and oversee the design of roadway projects using OpenRoads Designer (ORD). This role combines project management, client leadership, and technical oversight to successfully deliver projects for state, county, and municipal clients.
Project Manager Transportation MSA Professional Services IncProject Manager TransportationDuluth, MN$97,700–$156,400 / yearAs a key member of our Mobility team, you will lead multidisciplinary project teams, manage client relationships, and oversee the design of roadway projects using OpenRoads Designer (ORD). This role combines project management, client leadership, and technical oversight to successfully deliver projects for state, county, and municipal clients.
Regional Sales Manager - Central MacmillanRegional Sales Manager - Centrallake nebagamon, WI$100,000–$110,000 / yearActively participate and contribute as required in the planning and implementation of regional and national sales meetings, marketing planning meetings, author meetings, training events, and other sales-related events. Consistently communicate, coordinate, and collaborate with Sales Specialists, Marketing Managers, and Program Managers in relation to top opportunities, sales strategies, and product training within region.
General Manager Bagel BrandsGeneral ManagerHermantown, MN$20.82–$39.77 / hourManage supply chain processes and asset management to ensure timely replenishment, accurate stock levels, and efficient resource allocation, minimizing disruptions and supporting seamless store operations. Ensure the store is fully staffed for upcoming shifts, including making certain that all store schedules are up to date and written in a timely and effective manner; is deliberate regarding staffing decisions, including bench planning and development.
Commercial Landscape Account Manager Miller Creek Lawn & LandscapeCommercial Landscape Account ManagerDuluth, MinnesotaDevelop long-term partnerships that lead to repeat business, expanded scopes, and future projects Maintain regular client touchpoints to ensure satisfaction, identify opportunities, and strengthen loyalty Build trust internally by working closely with Operations Managers to ensure accurate, timely quotes and smooth project handoffs. Networking & Market Presence Represent the company at networking events, industry functions, and community opportunities Build and maintain a strong local network with those who influence commercial property decisions Proactively identify new opportunities through relationship-building—not just cold selling.
IT Manager – IAM & Security MauricesIT Manager – IAM & SecurityDuluth, MinnesotaThis position reports to the Director of Security Risk and Compliance and works closely in partnership on security priorities and initiatives, while collaborating with IT, business stakeholders, and external providers to deliver secure, scalable, and compliant solutions that protect organizational assets and enable business operations. Additional benefits include Dental, and Vision coverage, Flexible Spending Accounts (Healthcare and Dependent Care), Accident, Critical Illness, and Hospital Indemnity coverage, Voluntary Life, Spouse, and Child Life Insurance, and Long-Term Disability coverage.
Branch Operations Manager - Carlton Tom Kraemer IncBranch Operations Manager - CarltonCarlton, MN$75,000–$85,000 / yearResponsible for planning, dispatching and the effective completion of all work related to our Portable Storage operations to ensure we meet or exceed customer expectations while operating safely and efficiently. Leads the continued growth and success of the Carlton branch by improving operations, building strong customer relationships and representing Tom Kraemer Inc. in the local community.
Manager, Tribal Energy & Infrastructure Advisory Baker Tilly Virchow Krause, LLPManager, Tribal Energy & Infrastructure Advisorylake nebagamon, WI$59,400–$236,800 / yearBaker Tilly Advisory Group, LP and Baker Tilly US, LLP, trading as Baker Tilly, are independent members of Baker Tilly International, a worldwide network of independent accounting and business advisory firms in 141 territories, with 43,000 professionals and a combined worldwide revenue of $5.2 billion. Baker Tilly is a leading advisory, tax and assurance firm, providing clients with a genuine coast-to-coast and global advantage in major regions of the U.S. and in many of the world's leading financial centers - New York, London, San Francisco, Los Angeles, Chicago and Boston.
MANAGER - CLINIC - PAVILION BUILDING FLOOR 2 ADMINISTRATION Aspirus IncMANAGER - CLINIC - PAVILION BUILDING FLOOR 2 ADMINISTRATIONDuluth, MN$33.79–$54.05 / hourKnowledge of diagnosis and procedure coding, medical record documentation practices, quality improvement methods, medical insurance billing practices, managed care relationships between payers and providers, computerized office systems applications, customer relations principles, and generally accepted safety practices. The health system operates 18 hospitals and 130 outpatient locations with nearly 14,000 team members, including 1,300 employed physicians and advanced practice clinicians.
Commercial Preconstruction Project Manager APi Group CorpCommercial Preconstruction Project ManagerDuluth, MN$80,900–$121,400 / yearRequired Education & ExperienceFour-year degree in Engineering Construction Management Architecture or a related field OR a two-year degree in Mechanical Technology CAD Drafting or a related field PLUS a minimum of two 2 years of project-related experience OR a minimum of five 5 years of commercial construction experience. Continuous Learning - Access to resources and opportunities for day-to-day learning and professional developmentCommunity Engagement - We encourage and support community involvement and volunteer work providing opportunities to give back and make a positive impact in their communitiesImpact - Be a part of a company that makes a difference both the in market and in the community.
Senior Service Account Manager APi Group CorpSenior Service Account ManagerDuluth, MN$80,900–$121,400 / yearContinuous Learning - Access to resources and opportunities for day-to-day learning and professional developmentCommunity Engagement - We encourage and support community involvement and volunteer work providing opportunities to give back and make a positive impact in their communitiesImpact - Be a part of a company that makes a difference both the in market and in the community. You will collaborate closely with internal stakeholders to align service offerings with client needs resolve escalated issues and uncover opportunities for growth-whether through expanding current accounts developing new relationships or driving overall business development.
Experienced Industrial Project Manager - National Operations APi Group CorpExperienced Industrial Project Manager - National OperationsDuluth, MN$88,300–$132,300 / yearRequired Education & ExperienceBachelors degree in construction management engineering or related field of study PLUS five years or more of experience in an industrial or mechanical setting OR 10 years or more of progressively responsible experience in an industrial or mechanical setting including experience as a project manager is required. Continuous Learning - Access to resources and opportunities for day-to-day learning and professional developmentCommunity Engagement - We encourage and support community involvement and volunteer work providing opportunities to give back and make a positive impact in their communitiesImpact - Be a part of a company that makes a difference both the in market and in the community.
Field Engineer/Assistant Project Manager - National Operations APi Group CorpField Engineer/Assistant Project Manager - National OperationsDuluth, MN$32.50–$48.80 / hourContinuous Learning - Access to resources and opportunities for day-to-day learning and professional developmentCommunity Engagement - We encourage and support community involvement and volunteer work providing opportunities to give back and make a positive impact in their communitiesImpact - Be a part of a company that makes a difference both the in market and in the community. Required Education & ExperienceTechnical or bachelors degree in business construction management engineering or related field of study OR two years or more of experience with supporting industrial commercial or service projects is required.
RN Case Manager Moments HospiceRN Case ManagerDuluth, MinnesotaJob Type: On The Road #RegisteredNurse #RN #CaseManager #Nurse #RNCaseManager We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. As an RN Case Manager, you will play a critical role in making our patients' final days, weeks, and months as comfortable as possible.
NewAssistant Enterprise Project Manager ALLETE IncAssistant Enterprise Project ManagerDuluth, MN$82,000–$102,000 / yearContribute to large, complex, multi year capital projects-typically ranging from $50M to over $1B each-by providing critical project coordination, planning support, documentation management, and cross functional assistance. Minnesota Power, an ALLETE company, delivers safe, reliable energy to homes, communities, and major industries across northeastern Minnesota while advancing a long term commitment to sustainability.
NewSourcing Manager Jr Cirrus Aircraft LtdSourcing Manager JrDuluth, MNThe Sourcing Manager Jr is responsible for supporting the (Sr) Manager-Sourcing and/or Sourcing Manager (Sr) with their overall sourcing strategy, provide tactical support (Request for Quotes, etc), and providing Program support. The Sourcing Manager Jr roles will ensure Integrated Program Teams get daily/weekly updates, assist with Strategic initiatives, and provide tactical procurement support when needed.
NewElectrical Service Manager Hunt Electric CorporationElectrical Service ManagerDuluth, Minnesota$107,008–$136,192 / yearGrowth & Community: Internal learning and development, multiple Employee Resource Groups, family-friendly work events, and a deep commitment to community volunteering. Service Operations: Coordinate and oversee all service activities, ensuring efficient scheduling and timely completion of electrical service requests.
New Product Program Manager 2 Cirrus Aircraft LtdNew Product Program Manager 2Duluth, MNThe Program Manager will oversee integrated scope, budget, schedule, bill of materials cost, weight, technical performance, and risk management across assigned program(s), ensuring alignment with program business plan targets, enterprise objectives and compliance with applicable regulatory and contractual requirements. This strategic role will be responsible for driving execution excellence across multi-disciplinary teams, managing the full program lifecycle, and delivering innovative aviation solutions that meet or exceed customer and business expectations.
IT Project Manager Cirrus Aircraft LtdIT Project ManagerDuluth, MNThe Project Manager works with a Product Manager and other business stakeholders to determine scope and priorities, plan budget, manage expectations, regularly report project and team progress, and coordinate project delivery across the enterprise, utilizing the portfolio management methodology, framework, and governance. Collaborate with Product Managers and Technical team members to understand business problem, project deliverables and ensure work is delivered on schedule, within budget and meets target scope.
Aftermarket SR SF Platform Program Manager Cirrus Aircraft LtdAftermarket SR SF Platform Program ManagerDuluth, MNThe Program Manager is responsible for leading teams across their respective aircraft platform to deliver project(s) that span across one or more business units (Innovation & Operations and Customer Experience Teams). Verifies that the program and related projects are producing the required deliverables of quality, within the specified constraints of time and cost, and achieves the potential benefits defined in the business case and aligns to the organization''s business goals.
General Manager - Duluth, MN Shoptikal LLCGeneral Manager - Duluth, MNDuluth, MN$23–$32.20 / hourIt all starts in our centers, where our dedicated team members combine state-of-the-art technology, exceptional eye care, and hometown Midwestern values to deliver high-quality products and services. Identify key-carriers and schedule appropriately to ensure all key-carrier responsibilities are being completed including opening/closing the store, cash office and alarm call response.
["Sales Manager","Sales Manager"] Kolar Automotive Group["Sales Manager","Sales Manager"]DuluthWe are in growth mode and looking for an experienced and motivated Sales Manager to join us in supporting our dealership staff and customers while assisting us in building and representing our brand. We strive to maintain our strong footprint in the community and not be your typical automotive dealership by having a great team, a strong business model, a healthy and rewarding company culture, and being intensely focused on quality.
Sales Consultant/Backup Finance Manager Kolar Automotive GroupSales Consultant/Backup Finance ManagerHermantown, MinnesotaWe are currently hiring for a Sales Consultant / Backup Finance Manager who is motivated, customer-focused, and ready to grow with a company that has proudly served the community for over 50 years. As a family-owned and operated dealership, earning the trust of our customers, employees, and community is what drives us to be better every day.
Sales Manager Kolar Automotive GroupSales ManagerHermantown, MinnesotaWe are in growth mode and looking for an experienced and motivated Sales Manager to join us in supporting our dealership staff and customers while assisting us in building and representing our brand. We strive to maintain our strong footprint in the community and not be your typical automotive dealership by having a great team, a strong business model, a healthy and rewarding company culture, and being intensely focused on quality.
Finance Manager Kolar Automotive GroupFinance ManagerHermantown, MinnesotaJust a few - the Kolar Toyota ALS Fishing Tournament, Grandma's Marathon, ALS Blizzard Tour, Toys for Tots & the Union Gospel Mission! Accurately submits deals to lenders for approval, makes credit decisions, and effectively closes deals.