NewCommercial Loan Officer Cyprus Credit UnionCommercial Loan OfficerSpanish Fork, UTFull timeThe ideal candidate understands commercial credit analysis, business financial statements, cash flow analysis, and business tax returns; enjoys networking and business development; and brings strong communication skills, sound judgment, and a consultative approach to client service. We'd love to connect with candidates who bring three or more years of experience in commercial lending, business banking, commercial credit, SBA lending, portfolio management, relationship management, or a related commercial banking role.
NewMortgage Loan Processor/Coordinator Manager Mountain America Credit UnionMortgage Loan Processor/Coordinator ManagerWest Jordan, UtahIf you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at 801-366-6947 option 1 or email macurecruiting@macu.com and every reasonable effort will be made to accommodate your needs in a timely manner. In-depth understanding of Conventional, FHA, VA, USDA, portfolio, and digital loan programs, as well as expertise in critical areas such as income calculation, AUS findings (DU/LPA), appraisal review, title analysis, and digital document management.
Mortgage Loan Coordinator Manager Mountain America Federal Credit UnionMortgage Loan Coordinator ManagerWest Jordan, UTIf you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at 801-366-6947 option 1 or email macurecruiting@macu.com and every reasonable effort will be made to accommodate your needs in a timely manner. In-depth understanding of Conventional, FHA, VA, USDA, portfolio, and digital loan programs, as well as expertise in critical areas such as income calculation, AUS findings (DU/LPA), appraisal review, title analysis, and digital document management.
Program Manager – Loan Servicing / Capital Markets Systems (Consulting) SolomonEdwardsProgram Manager – Loan Servicing / Capital Markets Systems (Consulting)Salt Lake City, UTRemote$80–$90 / hourThis role will lead complex system implementation efforts across loan servicing, capital markets, and investor/loan accounting functions while partnering with business, technology, and integration leaders to drive execution, manage risk, and maintain alignment across workstreams. We know that our consulting services are only as meaningful as the people and talent behind them, and we are committed to recruiting incredibly talented, committed, and collaborative individuals who can help us deliver exceptional client service.
Student Loan Operations Manager Thrivent Financial for LutheransStudent Loan Operations ManagerUT$81,537–$110,315 / yearInteracts directly with external clients/borrowers as needed to resolve escalations, address complex issues, and ensure a positive, compliant customer experience, serving as a highly influential point of contact in driving strong client outcomes and overall satisfaction. The base pay actually offered will be determined by a variety of factors including, but not limited to, location, relevant experience, skills, and knowledge, business needs, market demand, and other factors Thrivent deems important.
Corporate Mortgage Loan Review Specialist II Glacier Bancorp IncCorporate Mortgage Loan Review Specialist IIUT$24.38–$36.59 / hourLifting: Sedentary work: Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Glacier Bancorp's (GBCI) Mortgage Loan Review Specialist II position is responsible for reviewing, analyzing, and processing adverse action loans within company guidelines, procedures, and regulatory policies.
Mortgage Loan Officer | National Lender LeadlingMortgage Loan Officer | National LenderOgden, UTRemote$75,000–$200,000Leadling is actively searching for seeking experienced Mortgage Loan Officers ready to increase earnings, scale nationally, and gain full control of their business with a National Mortgage Lender. Most Loan Officers never see the true value of the loans they close.
Syndication Loan Closing Administrator National Bank of ArizonaSyndication Loan Closing AdministratorMidvale, UT$25–$64 / hourZions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. This position leverages strong analytical, research, and communication skills to interpret complex loan and legal documents, resolve moderately complex issues, and contribute to organizational objectives.
Mortage Loan Officer Alura Workforce SolutionsMortage Loan OfficerNationwide, UTActive mortgage origination experience and a production history you're proud of — this lender runs a direct pro forma comparing your current rate sheet to theirs, so the numbers speak for themselves. Candidates should bring familiarity with mortgage processes, compliance, and regulatory requirements, along with strong financial analysis skills and the ability to communicate complex loan scenarios clearly to clients, support staff, and management.
Vice President, Loan Officer, Sandy Team Lead Capital Community BankVice President, Loan Officer, Sandy Team LeadSandy, UTThe Loan Officer, Sandy Team Lead will work directly with existing and prospective clients of the bank to efficiently manage relationships, source and develop lending opportunities, and underwrite and close loan requests, while ensuring that the bank is forming comprehensive relationships with our clients. Direct experience with various commercial lending products including asset-based lines of credit, equipment lending, and real estate (term and construction financing).
Loan Documentation/Prefunding Specialist - Midvale, UT (In Office) Zions Bancorporation NALoan Documentation/Prefunding Specialist - Midvale, UT (In Office)Midvale, UTEmployees may be aligned in teams by complexity and may specifically support real estate, non-real estate secured loans, or SBA loans, but may support multiple methodologies and collateral types and therefore must possess the appropriate skills needed for each. Duties may also include assigned pre-funding activities such as verifying and ensuring that the required closed loan documents have been received and properly executed, and for validating balanced disbursement information prior to providing the OK to Fund for loans underwritten and approved.
SBA Loan Closer Processor Celtic BankSBA Loan Closer ProcessorSalt Lake City, UTCeltic Bank is a leading nationwide lender specializing in SBA 7(a), SBA 504, USDA B&I, express loans, asset-based loans, commercial real estate loans and commercial construction loans. As an SBA Loan Closer/Processor, you'll play a key role in ensuring SBA loan transactions are accurately prepared, documented, and closed in compliance with SBA regulations and bank policies.
Loan Processor - Energy, Infrastructure, & Project Finance Celtic BankLoan Processor - Energy, Infrastructure, & Project FinanceSalt Lake City, UTCeltic Bank is a leading nationwide lender specializing in SBA 7(a), SBA 504, USDA B&I, express loans, asset-based loans, commercial real estate loans and commercial construction loans. Communicate effectively and proactively across multiple channels and internal and external parties to support the team value of transparency, to ensure the appropriate tone, and promote excellent independent problem-solving skills.
Syndication Loan Closing Administrator California Bank & TrustSyndication Loan Closing AdministratorMidvale, UT$25–$64 / hourZions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. This position leverages strong analytical, research, and communication skills to interpret complex loan and legal documents, resolve moderately complex issues, and contribute to organizational objectives.
SBA Loan Closer - Midvale, UT (In Office) Zions Bancorporation NASBA Loan Closer - Midvale, UT (In Office)Midvale, UTJob functions include: Proactively communicate and collaborate with all parties necessary to satisfy loan closing requirements, which may include: Title companies, Insurance agencies, Appraisal/Environmental Teams, Relationship Managers and Borrowers directly. Zions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets.
Syndication Loan Closing Administrator Zions Bancorporation NASyndication Loan Closing AdministratorMidvale, UT$25–$64 / hourZions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. This position leverages strong analytical, research, and communication skills to interpret complex loan and legal documents, resolve moderately complex issues, and contribute to organizational objectives.
Healthcare Loan Closer U.S. BancorpHealthcare Loan CloserSalt Lake City, UT$41.41–$50.61 / hourThe Healthcare Loan Closer is a lending support role working directly with loans, customer accounts, inquiries, and items directly related to client satisfaction with the U.S. Bank relationship while working under the direction of Healthcare Relationship Managers and the Healthcare Business Development Officer. In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.
Loan Assistant, Residential Construction Capital Community BankLoan Assistant, Residential ConstructionPleasant Grove, UTObtain and update collateral valuations: To include ordering real estate appraisals from the Bank's approved Appraiser list and cooperating with information requests from outside Appraisers (typical information requests relate to providing project cost breakdowns). Direct interaction with current and prospective bank clients to assist their assigned Loan Officers with procuring new loan and deposit opportunities is both a necessary and essential job function.
NewLoan Operations Specialist First Utah BankLoan Operations SpecialistSalt Lake City, UTHandle loan accounting and operations functions including booking loans received from various closing departments, handling accounting of fees and expenses. Benefits: We offer a competitive salary, a focus on work-life balance, and the following benefits: - Health, dental, and vision insurance (The Bank covers 75% of Medical and Dental Premiums and we maintain $1,000 deductibles).
Loan Assistant Capital Community BankLoan AssistantSandy, UTObtain and update collateral valuations: To include ordering real estate appraisals from the Bank's approved Appraiser list and cooperating with information requests from outside Appraisers (typical information requests relate to providing project cost breakdowns). Direct interaction with current and prospective bank clients to assist their assigned Loan Officers with procuring new loan and deposit opportunities is both a necessary and essential job function.
NewLoan Assistant SBA Capital Community BankLoan Assistant SBAPleasant Grove, UTObtain and update collateral valuations: To include ordering real estate appraisals from the Bank's approved Appraiser list and cooperating with information requests from outside Appraisers (typical information requests relate to providing project cost breakdowns). Direct interaction with current and prospective bank clients to assist their assigned Loan Officers with procuring new loan and deposit opportunities is both a necessary and essential job function.
Auto Loan Rep (Part-Time) OneMain Financial Group, LLCAuto Loan Rep (Part-Time)West Valley City, UTOur Auto Loan Representatives in the auto purchase department exercise good judgment and discretion to facilitate business decisions, have strong product knowledge and drive for results, multitask, and have excellent time management skills. They help customers complete the financing of a vehicle through a local dealership while working closely with the dealership's sales agents, in a call center environment.
Auto Loan Rep (Full-Time) OneMain Financial Group, LLCAuto Loan Rep (Full-Time)West Valley City, UTOur Auto Loan Representatives in the auto purchase department exercise good judgment and discretion to facilitate business decisions, have strong product knowledge and drive for results, multitask, and have excellent time management skills. They help customers complete the financing of a vehicle through a local dealership while working closely with the dealership's sales agents, in a call center environment.
Loan Sales Specialist OneMain Financial Group, LLCLoan Sales SpecialistLayton, UTSales, Collections, Retail, Loan Sales, Customer Service, Customer Care, Business Development, New Grad, Newly Graduated, Entry level, Financial Sales, Management Development, Management Trainee, Finance, Full-time, Career, Benefits, Customer experience, Financial Representative, Credit, Leadership, Manager Trainee. In our more than 1,300 community branches and across the U.S., team members help millions of customers solve critical financial needs, including debt consolidation, home and auto repairs, medical procedures and extending household budgets.
Loan Originator Hilltop Holdings IncLoan OriginatorSouth Jordan, UTWhether on the frontline working directly with customers in our branches or behind the scenes supporting our loan officers, our team members each play a vital role in delivering an outstanding customer experience. Under the direction of the Branch and/or Production Manager, markets and promotes PrimeLending products and services to its client base of realtors, builders, bank officers and potential and past clients.
NewRemote Private Money Loan Specialist ConventusRemote Private Money Loan SpecialistSalt Lake City, UTRemoteThe ideal candidate has 1-5 years of lending experience, an active NMLS in Utah, and the ability to thrive in a remote setting while delivering excellent customer service. This role offers unlimited earning potential with a supportive marketing structure and requires strong communication skills and a proactive mindset.
Mortgage Manager, Post-Close Audit and Quality Control (Full Time, Hybrid) MetaSource, LLCMortgage Manager, Post-Close Audit and Quality Control (Full Time, Hybrid)Draper, UTWe are seeking an experienced Mortgage Manager, Post-Close Audit & Quality Control to lead post-closing audit operations, quality assurance initiatives, client experience management, and continuous process improvement efforts. Strong background in post-close audits, forensic reviews, and quality control, Proven experience identifying quality trends and implementing corrective action plans.
Mortgage Branch Manager Mutual of Omaha MortgageMortgage Branch ManagerSalt Lake City Area, UTFull timeBranch Managers work strategically with their sales team in collaboration with operations staff; overseeing their branches responsibilities for active production and pipeline management. At Mutual of Omaha Mortgage, Branch Managers oversee and serve many duties including: sales, recruiting, administration, staff supervision and client networking.
Branch Manager Regional Finance CorpBranch ManagerUTManagers will be focused on leading team members, managing the branch P&L, driving new loan growth, managing current loan portfolio, marketing, maintenance of current business partnerships, and development of new strategic business partners. If you are a job applicant who resides in the state of California, please review our California Employee Privacy Policy at the following link: https://regionalfinance.com/wp-content/uploads/2022/11/UPDATED-Employee-Privacy-Policy-11.2022.pdf .
Branch Manager Regional FinanceBranch ManagerSalt Lake, UtahManagers will be focused on leading team members, managing the branch P&L, driving new loan growth, managing current loan portfolio, marketing, maintenance of current business partnerships, and development of new strategic business partners. If you are a job applicant who resides in the state of California, please review our California Employee Privacy Policy at the following link: https://regionalfinance.com/wp-content/uploads/2022/11/UPDATED-Employee-Privacy-Policy-11.2022.pdf .
Assistant Branch Manager Mountain America Credit UnionAssistant Branch ManagerRichfield, UtahThe Assistant Branch Manager is responsible to ensure that the branch is appropriately staffed with employees that are trained to reasonably meet the needs of the member including ensuring appropriate staff coverage of all Credit Union products and services including but not limited to: depository, lending, online, mobile, safe deposit (where applicable), notary and medallion services. Must have strong leadership skills which include a proven track record of preparing and mentoring new leaders for the credit union, including demonstrated success in handling difficult situations.
Assistant Branch Manager Columbia BankAssistant Branch ManagerPleasant Grove, UT$25–$32 / hourThis position requires you to act as a Bank MLO, which is defined as an individual authorized by the Bank to take mortgage loan applications, offer a mortgage, arrange a mortgage, assist a consumer in obtaining or applying to obtain a mortgage, negotiate a mortgage, otherwise obtain or make a mortgage for another person, represent to the public (through advertising or other means of communication) that such person can or will perform any of these activities, or refer a consumer to a loan originator (Note: Except those employees of the Bank who do not discuss particular credit terms available and do not refer the consumer, based on the employee’s assessment of the consumer’s financial characteristics to a particular Bank MLO) for compensation or gain. + This position IS NOT authorized to act as a Bank Closed-End MLO, which is defined as any position designated to perform the activities of a Bank MLO for closed-end transactions, and therefore this position is limited to acting as a Bank MLO for open-end transactions (i.e., home equity lines of credit) only.
Assistant Branch Manager Mountain America Federal Credit UnionAssistant Branch ManagerUTThe Assistant Branch Manager is responsible to ensure that the branch is appropriately staffed with employees that are trained to reasonably meet the needs of the member including ensuring appropriate staff coverage of all Credit Union products and services including but not limited to: depository, lending, online, mobile, safe deposit (where applicable), notary and medallion services. Must have strong leadership skills which include a proven track record of preparing and mentoring new leaders for the credit union, including demonstrated success in handling difficult situations.
Branch Manager/Sales Manager Primary Residential CareersBranch Manager/Sales ManagerSalt Lake City, UtahCarries out major assignments affecting business operations of the employer or the employer’s customers Performs the following tasks in completion of major assignments if the branch manager is a loan originator: collects and analyzes information regarding the customer’s income, assets, investments, or debts. Responsibilities include directing, coordinating, and monitoring all sales, branch operation, and personnel development activities to create a business operation that increases sales, profitability, market share, and customer and employee satisfaction.
Community Sales Manager Century Communities IncCommunity Sales ManagerSouth Jordan, UTAs one of the nation''s largest homebuilders and an industry leader in online home sales, we strive to create thriving, enduring neighborhoods with lasting livability, focusing on building sustainable, affordably priced homes for our customers while reducing our carbon footprint. What You'll Do: The Community Sales Manager generates new homes sales, manages closings for the Century Communities division, and manages traffic conversion to buyers of new homes.
Asset Based Lending NDFI Portfolio Manager & Underwriter - SLC, Houston or Dallas Zions Bancorporation NAAsset Based Lending NDFI Portfolio Manager & Underwriter - SLC, Houston or DallasSalt Lake City, UTQualifications: 1-8+ years in asset-based lending, including direct experience underwriting or managing NDFI facilities such as note-on-note, warehouse, fund finance, or lender finance lines, field exam, loan documentation, loan workouts, monitoring collateral and credit performance, economic and industry evaluations, or other directly related experience. Ideal candidates will have the skills and experience necessary to: Support the lending unit related to borrowing based lines of credit within the warehouse, private credit, and other NDFI lines of credit the Bank provides to qualifying Borrowers.
Portfolio Manager III Glacier Bancorp IncPortfolio Manager IIINorth Logan, UTSpecific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes. Perform commercial loan underwriting tasks such as; analyze business & personal tax returns and financial statements, identify trends and concerns and work closely with assigned commercial team and customers to understand & mitigate credit issues.
Portfolio Manager II Glacier Bancorp IncPortfolio Manager IIAmerican Fork, UTPerform commercial loan underwriting tasks for both C&I and CRE credits such as; analyze business & personal tax returns, property-level financials (rent rolls, operating statements), global cash flow, and guarantor strength; identify trends and concerns and work closely with assigned commercial team and customers to understand & mitigate credit issues. Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.
CRE Portfolio Manager III AltabankCRE Portfolio Manager IIIAmerican Fork, UtahSpecific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes. Perform commercial loan underwriting tasks such as; analyze business & personal tax returns and financial statements, identify trends and concerns and work closely with assigned commercial team and customers to understand & mitigate credit issues.
Portfolio Manager III AltabankPortfolio Manager IIIAmerican Fork, UtahSpecific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes. Perform commercial loan underwriting tasks such as; analyze business & personal tax returns and financial statements, identify trends and concerns and work closely with assigned commercial team and customers to understand & mitigate credit issues.
Commercial Portfolio Manager Banterra CorpCommercial Portfolio ManagerCottonwood Heights, UtahServe as the primary liaison between Relationship Managers and internal partners (Credit, Underwriting, Loan Documentation, and Operations) to efficiently fulfill new credit requests, renewals, and modifications. Through vigilant portfolio management and a focus on responsive service, the Commercial Portfolio Manager reinforces the company’s financial strength and client retention efforts, playing a critical role in long-term market growth.
Portfolio Manager II AltabankPortfolio Manager IIAmerican Fork, UtahPerform commercial loan underwriting tasks for both C&I and CRE credits such as; analyze business & personal tax returns, property-level financials (rent rolls, operating statements), global cash flow, and guarantor strength; identify trends and concerns and work closely with assigned commercial team and customers to understand & mitigate credit issues. Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.
CRE Portfolio Manager III Glacier Bancorp IncCRE Portfolio Manager IIIAmerican Fork, UTSpecific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes. Perform commercial loan underwriting tasks such as; analyze business & personal tax returns and financial statements, identify trends and concerns and work closely with assigned commercial team and customers to understand & mitigate credit issues.
Small Business Relationship Manager - In Office Zions Bancorporation NASmall Business Relationship Manager - In OfficeMidvale, UT$60,000–$80,000 / yearZions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the "Best Banks to Work For" and as having a top banking team in its list of "The Most Powerful Women in Banking."
Asset Based Lending Portfolio Mgr. - SLC, Houston or Dallas Zions Bancorporation NAAsset Based Lending Portfolio Mgr. - SLC, Houston or DallasSalt Lake City, UTQualifications: 2-8+ years in asset-based lending, underwriting, loan structuring, credit and portfolio management, field exam, loan documentation, loan workouts, monitoring collateral and credit performance, economic and industry evaluations, or other directly related experience. Ideal candidates will have the skills and experience necessary to: Support the lending unit in legal documentation, closing, analyzing financial data, and managing both new and existing complex Asset-Based loans.
Corporate Banking Portfolio Manager - Salt Lake City, UT Zions Bancorporation NACorporate Banking Portfolio Manager - Salt Lake City, UTSalt Lake City, UTThe Zions Bank Building stands tall among Salt Lake City's central business district, providing hundreds of team members with an exceptional work environment and features such as: Easy access to the City Creek UTA TRAX station, as well as various electric vehicle charging stations in most City Creek area garages; An employee-only fitness center and bike storage; An employee lounge, kitchen, micro market, game tables, couches and TVs; Private mothers' rooms and lockers; and. We're proud to have ranked among American Banker magazine's "Best Banks to Work For" almost every year since 2013, as Best Employer from Utah's Best of State, among the Best Places to Work in Idaho, and "among the Salt Lake Tribune's Top Workplaces.
Manager Trainee – English/Spanish Security FinanceManager Trainee – English/SpanishSouth Ogden, UTFull timeComputer literacy, ability to operate a ten-key calculator, basic mathematical skills and the ability to handle simple monetary transactions quickly and accurately. You’ll know you are a successful Manager in Waiting when you: Develop, direct, train, and manage branch personnel with supervisor direction and assistance.
Senior Structural Project Manager KL&A, INC.Senior Structural Project ManagerOgden, UTThis position entails working hand in hand with the current staff in the office, the Engineering Team Leadership and Corporate Leadership in staff growth and recruitment of new staff in Utah office and being highly engaged in Utah marketing efforts. Leveraging their knowledge, experience, and expertise, our project managers anticipate and resolve critical issues that arise during project design and construction.
Small Business Relationship Manager - Salt Lake City, UT U.S. BankSmall Business Relationship Manager - Salt Lake City, UTSalt Lake, UtahThe Small Business Relationship Manager NMLS is responsible for delivering excellent customer service in alignment with U.S. Bank Core Values while providing comprehensive financial solutions to complex small business clients with annual revenues generally between $500K and $2.5 million, typically not exceeding $5 million. In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.
Associate Manager - Engineering, Mortgage Technologies nCino IncAssociate Manager - Engineering, Mortgage TechnologiesLehi, UT$107,900–$183,400 / yearThe range displayed reflects the minimum and maximum of the pay range for each job posting, which is used to determine new hire rates/salaries and takes into consideration multiple factors including but not limited to knowledge, skills, abilities, proficiencies, experience, education, licensures/certifications, as well as business and organizational needs. Experience in high-deployment, fast-iteration engineering environments is a meaningful plus, and candidates with strong CI/CD fluency and a background in integration-focused backend work will have a clear advantage from day one.