Senior Product Specialist, VISIA® CRP Canfield Scientific, Inc.Senior Product Specialist, VISIA® CRPParsippany-Troy Hills, NJFull timeThis role goes beyond product demonstrations and training — it requires ownership of the VISIA‑CRP customer experience, influence over product positioning, and leadership in shaping best practices as the VISIA‑CRP business continues to grow. We are seeking a Senior Product Specialist – VISIA®‑CRP to play a critical role in building, scaling, and leading the VISIA‑CRP product specialist function.
NewGenerative AI Training & Support Specialist JobotGenerative AI Training & Support SpecialistNew York, NY$80–$90 / hourInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. Reporting to the Senior Manager of User Engagement, Education & Tech Academy, this individual will be responsible for designing, delivering, and supporting generative AI training and enablement programs across the enterprise.
Global Member Service Training Specialist United Nations Federal Credit UnionGlobal Member Service Training SpecialistNew York, NY$80,070 / yearRegardless of seniority or role, uphold UNFCU’s mission, core values, and guiding principles by providing an exceptional service experience to colleagues and members alike through consistent demonstration of our service excellence behaviors. Responsible for performing training needs assessments, assisting with the design of material, delivering curriculum and learning materials, and managing all phases of training interventions.
NewGlobal Payroll Specialist Vaco LLCGlobal Payroll SpecialistEdison, NJ$80,000–$90,000Determining compensation for this role (and others) at Vaco by Highspring depends upon a wide array of factors including but not limited to: the individual’s skill sets, experience and training; licensure and certification requirements; office location and other geographic considerations; other business and organizational needs. Determining compensation for this role (and others) at Vaco/Highspring depends upon a wide array of factors including but not limited to the individual’s skill sets, experience and training, licensure and certifications, office location and other geographic considerations, as well as other business and organizational needs.
NewHR Specialist Vaco LLCHR SpecialistWilton, CT$70,000–$100,000Determining compensation for this role (and others) at Vaco by Highspring depends upon a wide array of factors including but not limited to: the individual’s skill sets, experience and training; licensure and certification requirements; office location and other geographic considerations; other business and organizational needs. Determining compensation for this role (and others) at Vaco/Highspring depends upon a wide array of factors including but not limited to the individual’s skill sets, experience and training, licensure and certifications, office location and other geographic considerations, as well as other business and organizational needs.
NewAccounts Payable Specialist Vaco LLCAccounts Payable SpecialistNorth Arlington, NJ$40–$50Determining compensation for this role (and others) at Vaco by Highspring depends upon a wide array of factors including but not limited to: the individual’s skill sets, experience and training; licensure and certification requirements; office location and other geographic considerations; other business and organizational needs. Determining compensation for this role (and others) at Vaco/Highspring depends upon a wide array of factors including but not limited to the individual’s skill sets, experience and training, licensure and certifications, office location and other geographic considerations, as well as other business and organizational needs.
NewD06 - PROJECT MANAGEMENT / PROJECT MGMT - Specialist, Scheduling and Cell Logistics ECLAROD06 - PROJECT MANAGEMENT / PROJECT MGMT - Specialist, Scheduling and Cell LogisticsMadison, NJ$34.69–$36.79 / hourPosition Overview:The Site Account Specialist, Scheduling and Cell Logistics will be responsible for scheduling and monitoring patient treatment schedules for the manufacturing of the company's commercial autologous cellular immunotherapy products. ECLARO’s client is a leader in the Biopharmaceutical Industry, providing quality, innovative, and affordable medicines that make a difference in the lives of patients all over the world.
NewAR Specialist Kforce Inc.AR SpecialistNew York, NY$30–$33Employee pay is based on factors like relevant education, qualifications, certifications, experience, skills, seniority, location, performance, union contract and business needs. By clicking “Apply Today” you agree to receive calls, AI-generated calls, text messages or emails from Kforce and its affiliates, and service providers.
NewProperty Adjuster Specialist - Field USAAProperty Adjuster Specialist - FieldNew York, NYRemote$85,050–$130,410 / yearProactively manages assigned claims caseload comprised of complex damages that require commensurate knowledge and understanding of claims coverage including potential legal liability. 2 years of relevant property claims adjusting experience of moderate complexity losses that includes writing estimates, involving dwelling and structural damages.
NewCompliance Specialist Senior Wealth Management City National BankCompliance Specialist Senior Wealth ManagementNew York, NYRemote$85,000–$145,000 / yearFunctions as an internal consultant to colleagues throughout City National Bank (CNB) related to operational compliance issues and concerns, utilizing their internal and external organizational agility to ascertain and deliver sound interpretation and advice. Benefits and PerksAt City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date.
NewOutside Sales- Roofing and Siding Specialist Riverhead Building Supply Corp.Outside Sales- Roofing and Siding SpecialistOceanside, NY$60,000–$90,000 / yearWe are a Large Corporate Industry Leader in Building Supplies Employing over 800 Friendly People on Long Island, Connecticut, Rhode Island and Massachusetts. Riverhead Building Supply is seeking an experienced sales professional to grow sales and assist customers in roofing and siding purchases.
NewBanking Relationship Specialist ConnectOne BankBanking Relationship SpecialistFort Lee, NJ$22–$27 / hourAssists with Teller functions as needed including performing banking transactions over the phone or at the drive-up window including accepting deposits, cashing checks, and assisting clients with other banking needs, and branch opening and closing as needed. Banking Relationship Specialists play a vital role in ConnectOne “Client First” banking experience by acquiring, retaining, and expanding banking relationships of both the business and consumer clients while demonstrating the ConnectOne Culture.
NewUnderwriting Specialist OR Executive Underwriter- Domestic Casualty Zurich Insurance Company Ltd.Underwriting Specialist OR Executive Underwriter- Domestic CasualtyNew York, NY$94,800–$205,100You will work collaboratively across business units including but not limited to; claims, finance, risk engineering, actuary, and technical underwriting while gaining extensive knowledge in a growing and innovative industry. You will serve as a customer advocate with a focus on improving the customer experience by understanding their unique risks and offering the best end-to-end solution for their insurance needs.
Lawn Care Specialist SavATreeLawn Care SpecialistBedford Hills, NY$18–$28 / hourFull timeLawn Care Specialists work independently, allowing team members to choose the proper product or customized blend application to be utilized in treating various lawn problems. In this role team members have the opportunity to work outside on beautiful properties in their community, spending extensive field time diagnosing problems and treating properties.
Plant Health Care Specialist SavATreePlant Health Care SpecialistBedford Hills, NY$19–$30 / hourFull timeThe Plant Health Care Team are specialists dedicated to inspecting plant material, identifying problems, and ethically treating or preventing the many problems that trees and shrubs may face. A Degree in Arboriculture, Urban Forestry, Horticulture, Plant Science, Plant Pathology, Environmental Sciences, Landscape Management, Turf-grass, or similar experience preferred.
Diagnostics Technical Specialist Zoetis IncDiagnostics Technical SpecialistFlorham Park, NJFull timeAny unsolicited resumes sent to Zoetis from a third party, such as an Agency recruiter, including unsolicited resumes sent to a Zoetis mailing address, fax machine or email address, directly to Zoetis employees, or to Zoetis resume database will be considered Zoetis property. The Diagnostics Technical Specialist (DTS) provides onsite support to veterinary clinics, laboratory research, and veterinary academic settings and are responsible for the overall business health and customer satisfaction of their assigned territories.
Fund Product Specialist Career Launch AIFund Product SpecialistNew York, NY$140,000–$185,000Actual openings may vary based on employer type (asset managers, private equity firms, hedge funds, multi-asset platforms), fund structure, asset class focus, and client base. It is intended to help job seekers understand the responsibilities and qualifications typically associated with product-focused roles supporting investment funds across public and private markets.
Lead Specialist, Product Management Pearson plcLead Specialist, Product ManagementHoboken, NJ$160,000–$180,000 / yearWe staff our product teams with the skills necessary to come up with effective solutions that are valuable (our customers choose to buy or use), viable (the solution works within the many constraints of the business), usable (the user can figure out how to use) and feasible (our engineers have the skills and technology to implement). As required by the California, Colorado, Hawaii, Illinois, Maryland, Minnesota, New Jersey, New York State, New York City, Vermont, Washington State, and Washington DC laws, the pay range for this position is as follows: The minimum full-time salary range is between $160,000 - 180,000.
NewPrivate Capital Product Specialist Career Launch AIPrivate Capital Product SpecialistNew York, NY$140,000–$185,000It is intended to help job seekers understand the responsibilities and qualifications typically associated with roles supporting private capital investment products, including private equity, private credit, venture capital, real assets, and other alternative strategies. Private Capital Product Specialists act as subject-matter experts for private capital investment products, partnering closely with investment, fundraising, investor relations, operations, and compliance teams.
Senior Manager, Applied Field Engineering - AI/ML Product Specialist Snowflake IncSenior Manager, Applied Field Engineering - AI/ML Product SpecialistNY$276,000–$362,250 / yearThe following represents the expected range of compensation for this role: This role is eligible to participate in Snowflake''s commission plan and it is common for employees in this role to receive total on-target earnings of $276,000 - $362,250. Responsibilities & Focus Areas: Technical Execution & Consumption Activation: Drive team performance toward Consumption Activation - ensuring customers successfully move workloads into production and realize contracted credit value.
NewAssociate Product Specialist- Quality Control NBC Operating LPAssociate Product Specialist- Quality ControlNew York, New YorkAssist in building product knowledge and identifies quality issues through market travel, mix assessment of our stores/competition and attending product training classes. Interacts with Buyers and DVP, Merchandise Managers to identify and manage a system to track incentive purchases, production updates and quality concerns.
Product Specialist The Federal Reserve SystemProduct SpecialistNY$130,300–$162,900 / yearAs a condition of employment, all Federal Reserve Bank of Boston employees must comply with the Bank's ethics rules, which generally prohibit employees, their spouses/domestic partners, and minor children from owning financial interests - such as stocks or bonds - from banks, savings associations, and systemically important financial institutions or their affiliates, such as bank holding companies or savings and loan holding companies. The Financial Support Office (FSO) is the Federal Reserve System''s trusted partner for financial advice and innovation, serving as a 150-member team that empowers System leaders with real-time data, strategic insights, and industry expertise to enable financially informed decisions.
Legal Engineer, Product Specialist Manager HarveyLegal Engineer, Product Specialist ManagerNew York, New YorkHarvey’s Legal Engineer - Product Specialist Managers lead and scale a high-performing team of Legal Engineer - Product Specialists responsible for driving customer adoption, expansion, renewal and long-term success across Harvey’s global customer base. Ensure consistent, high-quality delivery of workshops, trainings, and hands-on agent building sessions that help legal professionals integrate Harvey deeply into their workflows across practice areas and geographies.
Legal Engineer, Product Specialist Manager Counsel AI CorpLegal Engineer, Product Specialist ManagerNY$315,000–$385,000 / yearHarvey's Legal Engineer - Product Specialist Managers lead and scale a high-performing team of Legal Engineer - Product Specialists responsible for driving customer adoption, expansion, renewal and long-term success across Harvey's global customer base. Ensure consistent, high-quality delivery of workshops, trainings, and hands-on agent building sessions that help legal professionals integrate Harvey deeply into their workflows across practice areas and geographies.
Senior Trading Product Specialist FactSetSenior Trading Product SpecialistNorwalk, New YorkProjects and efforts include product upgrades, workflow changes, new asset class and trading strategy implementations, broker and liquidity provider connectivity, new user training, updates to the front-end GUI, and creation of client facing reports. Clients across the buy-side and sell-side, as well as wealth managers, private equity firms, and corporations, achieve more every day with our comprehensive and connected content, flexible next-generation workflow solutions, and client-centric specialized support.
Principal Trading Product Specialist FactSetPrincipal Trading Product SpecialistNorwalk, New YorkProjects and efforts include product upgrades, workflow changes, new asset class and trading strategy implementations, broker and liquidity provider connectivity, new user training, updates to the front-end GUI, and creation of client facing reports. Clients across the buy-side and sell-side, as well as wealth managers, private equity firms, and corporations, achieve more every day with our comprehensive and connected content, flexible next-generation workflow solutions, and client-centric specialized support.
Lead Specialist, Product Program Manager Pearson plcLead Specialist, Product Program ManagerHoboken, NJ$120,000–$160,000 / yearAs required by the California, Colorado, Hawaii, Illinois, Maryland, Minnesota, New Jersey, New York State, New York City, Vermont, Washington State, and Washington DC laws, the pay range for this position is as follows: The minimum full-time salary range is between $120,000 - 160,000. We are seeking an experienced, strategic, and detail-oriented Lead Specialist, Product Program Manager to lead cross-functional programs that deliver impactful outcomes across the organization.
PRODUCT SPECIALIST Formosa Plastics CorpPRODUCT SPECIALISTLivingston, NJCommunication & Presentation Skills: Excellent written and verbal communication skills, including the ability to respond to inquiries from customers, regulatory agencies, and business stakeholders; prepare speeches, articles, reports, and other business communications; and effectively present information to management, public groups, and boards of directors. Research, analyze, plan and facilitate multiple processes with critical impact to operation and profitability including sales price, inventory, volume sold, short and long term demand, effective utilization of production capacity, product/account mix, and other related factors.
Specialist, AI Innovation, CNN Digital Products & Services Warner Bros. Discovery IncSpecialist, AI Innovation, CNN Digital Products & ServicesNY$70,000–$130,000 / yearThe ideal candidate is organized, collaborative and ambitious-someone who can keep complex projects and workstreams on track while contributing their own ideas and identifying opportunities for AI to make a meaningful impact. Strong organizational and project management skills, with the ability to manage multiple workflows, prioritize effectively, and deliver against deadlines in a fast-paced newsroom environment.
Product Specialist Formosa Plastics CorpProduct SpecialistLivingston, NJCommunication & Presentation Skills: Excellent written and verbal communication skills, including the ability to respond to inquiries from customers, regulatory agencies, and business stakeholders; prepare speeches, articles, reports, and other business communications; and effectively present information to management, public groups, and boards of directors. Research, analyze, plan and facilitate multiple processes with critical impact to operation and profitability including sales price, inventory, volume sold, short and long term demand, effective utilization of production capacity, product/account mix, and other related factors.
Product Specialist RedTech Recruitment Ltd.Product SpecialistManhattan, NY$75,000–$80,000Keywords: Entry-Level / Trainee / Graduate / Technology Solutions Specialist / AI Product Expert / Customer Success Specialist / Product Relationship Manager / Technical Sales Consultant / Product Advocate / Client Solutions Specialist / Technology Integration Specialist / Customer Engagement Specialist / Solution Architect / Software Engineer / Product Consultant / Customer Experience Manager / Technology Specialist / Product Liaison Officer / Sales Support Specialist / Implementation Consultant / Customer Technology Advisor / Python / Bash / Customer Success Manager. A brilliant opportunity for a talented Graduate or experienced professional with strong sales energy, presence, and gravitas to work as a Product Specialist, joining a market-leading, disruptive software technology firm in New York.
Blackstone Private Wealth - Product Specialist, Associate (Credit) Blackstone IncBlackstone Private Wealth - Product Specialist, Associate (Credit)NY$130,000–$175,000 / yearDepending on the position, you may be required to obtain certain securities licenses if you are in a client facing role and/or if you are engaged in the following: Attending client meetings where you are discussing Blackstone products and/or and client questions; Marketing Blackstone funds to new or existing clients; Supervising or training securities licensed employees; Structuring or creating Blackstone funds/products; and. Partnering with many of the world's largest private banks and wealth management firms as well as family offices, Blackstone's Private Wealth team packages and delivers the full breadth of Blackstone's alternative product capabilities to these firms and their clients and provides ongoing product and advisor support, as well as education and training around alternative investments.
Product Specialist MPBProduct SpecialistBrooklyn, New YorkEmpowering and Empowered: MPB equips you with the tools and knowledge to excel, while your expertise in accurately grading and listing products empowers our community to make informed choices, enhancing their creative endeavours. Agents of Change: you support sustainability initiatives by ensuring that used equipment finds new life, reducing waste and promoting environmental responsibility.
Product Specialist MPB US IncProduct SpecialistBrooklyn, NYEmpowering and Empowered: MPB equips you with the tools and knowledge to excel, while your expertise in accurately grading and listing products empowers our community to make informed choices, enhancing their creative endeavours. Agents of Change: you support sustainability initiatives by ensuring that used equipment finds new life, reducing waste and promoting environmental responsibility.
2027 Research Product Specialist Summer Analyst AQR Capital Management LLC2027 Research Product Specialist Summer AnalystGreenwich, CTProduct specialist teams are integral to processes related to new product research and development, creating content for new and customized internal and external presentations, new account onboarding, portfolio implementation monitoring, performance analysis, and interactions with existing clients and prospects. Learning is the cornerstone of our culture and plays an active role in the internship experience - through daily collaboration and interaction with employees at all levels, in workshops and classes, and most significantly by working on projects that matter to the many clients we serve.
Product Specialist Applied Visions & Software Design SolutionsProduct SpecialistNorthport, New YorkWhat you’ll do: •Assist in the creation of the product backlog; groom product backlog items according to availability and priority•Write user stories and acceptance criteria, as well as explain and reinforce acceptance criteria with software / QA engineers•Act as the advocate for the end users and clients•Help the Scrum Master organize sprint review meetings.•Attend sprint planning meetings.•Clearly communicate the business requirements to the Team•Get detail level of requirement from customers•Build and maintain a relationship with the customerYou should have: •1 – 3 years of experience as a product specialist/ manager / business analyst•Excellent communication skills and a strong desire to learn and collaborate•Ability to function in a fast-paced, dynamic, and sometimes ambiguous environment•Desire to contribute to / be a part of meaningful work•Bachelor’s Degree in a related fieldNice-to-haves:•Preference for candidates that are Certified Scrum Product Owners (CSPO)* Please note, due to the nature of our work, we can only accept applications from individuals that are willing and able to obtain a security clearance. The product specialist will coordinate with our clients, project engineers, quality assurance teams and development teams as well as project managers to ensure that business, quality and functional goals are met with each product milestone.
NewMailing Product Specialist (B2B Outside Sales) All Copy Products IncMailing Product Specialist (B2B Outside Sales)NY$60,000–$150,000 / yearNew Business Development & Prospecting: Identify, research, and engage prospective customers through outbound cold calling and in-person prospecting efforts while building a strong pipeline of mailing solution opportunities. The Mailing Product Specialist is a key driver of our mailing solutions growth strategy, responsible for both prospecting and developing new business as well as caring for and expanding relationships within an existing customer base.
Legal Engineer - Product Specialist HarveyLegal Engineer - Product SpecialistNew York, New YorkHarvey’s Legal Engineer - Product Specialists are experienced lawyers from top-tier firms who leverage their legal expertise to help customers seamlessly integrate Harvey into their daily workflows—driving adoption, increasing utilization, and supporting long-term expansion and renewal. They develop consultative relationships with law firm partners, associates, innovation teams, and in-house counsel at private equity firms and Fortune 500 companies—serving as trusted advisors on how Harvey’s AI solutions can enhance legal effectiveness and efficiency.
Legal Engineer - Product Specialist (In-House) HarveyLegal Engineer - Product Specialist (In-House)New York, New YorkHarvey’s Legal Engineer - Product Specialists are experienced lawyers from top-tier firms who leverage their legal expertise to help customers seamlessly integrate Harvey into their daily workflows—driving adoption, increasing utilization, and supporting long-term expansion and renewal. They develop consultative relationships with law firm partners, associates, innovation teams, and in-house counsel at private equity firms and Fortune 500 companies—serving as trusted advisors on how Harvey’s AI solutions can enhance legal effectiveness and efficiency.
Sr. Product Specialist HF Management ServicesSr. Product SpecialistNew York, New YorkWorks closely with cross functional teams such as Enrollment & Billing, Claims, Member Services, Compliance, Sales, Finance, Clinical/Network Management, and senior management in implementing new products, product enhancements, business implementations and, end to end process improvements. The Senior Specialist is responsible for supporting the Manager, Senior Manager, and Director with various product initiative planning and execution for initiatives included within the Healthfirst product portfolio, including collecting/organizing documentation to successful execution.
Macro Strategies - Product Specialist Analyst AQR Capital Management LLCMacro Strategies - Product Specialist AnalystGreenwich, CT$150,000–$160,000 / yearProduct specialist teams are integral to processes related to new product research and development, creating content for new and customized internal and external presentations, new account onboarding, portfolio implementation monitoring, performance analysis, and interactions with existing clients and prospects. Product specialists serve as portfolio management team representatives in interactions with the rest of the firm including portfolio implementation, trading, business development, legal, compliance, risk, operations and marketing teams.
Credit Product Specialist - Financial Institution Group (FIG) / Diversified Financial Institutions (DFI) The PNC Financial Services Group IncCredit Product Specialist - Financial Institution Group (FIG) / Diversified Financial Institutions (DFI)East Brunswick, NJ$112,000–$249,600 / yearIn addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service. PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be: Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.
Capital Markets Product Specialist - East Capital Integration Systems LLCCapital Markets Product Specialist - EastNew York, NY$90,000–$125,000 / yearCAIS is the pioneer in democratizing access to and education about alternative investments for independent financial advisors, empowering them to engage and transact with leading asset managers on a massive scale through a wide variety of alternative investment products and technology solutions. CAIS provides financial advisors with a broad selection of alternative investment strategies, including hedge funds, private equity, private credit, real estate, digital assets, and structured notes.
Alternative Investments Product Specialist - Mid-Atlantic & Northeast Capital Integration Systems LLCAlternative Investments Product Specialist - Mid-Atlantic & NortheastNew York City, NY$150,000–$200,000 / yearCAIS is the pioneer in democratizing access to and education about alternative investments for independent financial advisors, empowering them to engage and transact with leading asset managers on a massive scale through a wide variety of alternative investment products and technology solutions. Working alongside their designated team, this person will be responsible for generating new business within Independent Broker Dealers in the Mid-Atlantic and Northeast markets as well as supporting product and distribution teams with fund manager coverage and client engagement.
Product Development Specialist Kiss Nail ProductsProduct Development SpecialistPort Washington, New YorkThis position is ideal for a detail-oriented operator who understands beauty product development, can manage multiple projects simultaneously, and is comfortable handling real execution — including formula samples, packaging updates, timelines, testing coordination, launch preparation, and post-launch follow-up. This is a practical execution-focused role for someone who can manage day-to-day product development processes, coordinate with cross-functional teams and external vendors, and ensure products move efficiently from idea to market.
Product Sales Specialist - Energy & Commodities, Parameta Solutions Tullett Prebon InformationProduct Sales Specialist - Energy & Commodities, Parameta SolutionsNew York, New York$175,000–$200,000 / yearYou will work closely with New Business Sales, Account Management, Product, Sales Ops, Sales Enablement, and wider teams to deliver technical expertise, commercial insight, and scalable sales support tools. Act as a trusted technical and commercial advisor to the Sales and Account Management teams—supporting client meetings in a pre-sales capacity to diagnose needs and articulate how Parameta’s solutions deliver value.
Sales Director, Product Specialists Smart Trailers Samsara Inc.Sales Director, Product Specialists Smart TrailersNew York, NYRemoteWorking at Samsara means you'll help define the future of physical operations and be on a team that's shaping an exciting array of product solutions, including Video-Based Safety, Vehicle Telematics, Apps and Driver Workflows, and Equipment Monitoring. Samsara (NYSE: IOT) is the pioneer of the Connected Operations Cloud, which is a platform that enables organizations that depend on physical operations to harness Internet of Things (IoT) data to develop actionable insights and improve their operations.
Senior Credit Products Specialist - Private Banking Flagstar Bank, N.A.Senior Credit Products Specialist - Private BankingNew York, NYFull timeAs relevant for the supported line of business, well versed in legal documentation (e.g., Credit Agreements) and positioned to both develop more junior associates on the topic, interact with internal and external legal counsel, and negotiate directly with clients. The Senior Credit Products Specialist - Private Banking is a strategic advisor responsible for structuring, negotiating, and managing highly complex commercial credit relationships.