Commercial Real Estate CRE Relationship Manager AmerantbankCommercial Real Estate CRE Relationship ManagerTampa, FLFull timeMaintains and ensures high quality loan portfolio though the support of underwriting and portfolio management team by monitoring loan policy exceptions, ongoing review of credits, loan covenant compliance, and site inspections. Excellent knowledge of local Real Estate industry; expert real estate credit skills; financial statement analysis, real estate construction and credit structuring.
Corporate Banking Relationship Manager AmerantbankCorporate Banking Relationship ManagerTampa, FLFull timePromote and cross-sell various products and services through telephone calls, mailing notices and face-to face visits, with the objective of servicing, maintaining, developing new relationships, increasing the deposit and loan portfolio, increasing bank revenues and identifying current and potential business opportunities for the bank. Evaluate and take action to adequately manage and control customer overdraft and uncollected funds transactions following approval limit guidelines in order to accommodate and service customers in a financially feasible and prudent manner, with minimum risk exposure to the bank.
Corporate Banking Relationship Manager Amerant BankCorporate Banking Relationship ManagerTampa, FLFull timePromote and cross-sell various products and services through telephone calls, mailing notices and face-to face visits, with the objective of servicing, maintaining, developing new relationships, increasing the deposit and loan portfolio, increasing bank revenues and identifying current and potential business opportunities for the bank. Evaluate and take action to adequately manage and control customer overdraft and uncollected funds transactions following approval limit guidelines in order to accommodate and service customers in a financially feasible and prudent manner, with minimum risk exposure to the bank.
NewSenior Audit Manager (Remote) JobotSenior Audit Manager (Remote)Tampa, FLRemote$150,000–$200,000 / year
NewTax Manager (Hybrid) JobotTax Manager (Hybrid)Tampa, FL$110,000–$170,000 / year2. Comprehensive knowledge of federal and state tax regulations, as well as experience with S Corp, gift tax, HNW, EA, 1031 exchange, tax review, individual, real estate tax, tax planning, tax accounting, corporate tax returns, and trust. Information 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.
NewTransaction Advisory Services Manager (REMOTE) JobotTransaction Advisory Services Manager (REMOTE)Tampa, FLRemote$140,000–$200,000 / yearInformation 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. The successful candidate will play a pivotal role in shaping our transaction advisory services, with a focus on valuation services, tax structuring and strategy, and negotiation.
NewTax Manager JobotTax ManagerTampa, FL$180,000–$220,000 / yearInformation 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. By applying for this job, you agree to receive calls, AI-generated calls, text messages, or emails from Jobot, and/or its agents and contracted partners.
NewSenior Tax Manager (Remote) JobotSenior Tax Manager (Remote)Thonotosassa, FLRemote$130,000–$180,000 / yearInformation 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. Plan, execute, direct, and complete tax projects in a wide variety of industries; provide innovative tax planning, consulting, and compliance expertise to clients, and manage to budget.
NewProject Manager (Construction) JobotProject Manager (Construction)Tampa, FL$100,000–$140,000 / yearInformation 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. From healthcare facilities and distribution centers to multifamily housing, restaurants, and public safety buildings, our diverse portfolio provides long-term stability, career growth, and the opportunity to work on meaningful projects that improve everyday life.
Underwriting Manager - Commercial Credit C&I AmerantbankUnderwriting Manager - Commercial Credit C&ITampa, FLFull timeAssist in the review and measurement of borrower’s conformance with legal covenants, tracking of same and the identification of compliance or non-compliance This may include assisting Credit Portfolio Managers and Relationship Managers in collaborating with other bank units such as Credit Administration, Loan Operations, Credit Services, Closing areas, and Credit Risk. Support the accurate review and evaluation of the financial condition and operating performance of C&I Borrowers, CRE Borrowers or Private Banking / Private Client Borrowers for new and existing loan exposures, increases, and modifications of terms/conditions.
NewTax Director (Senior Tax Manager) JobotTax Director (Senior Tax Manager)Tampa, FL$150,000–$220,000 / yearInformation 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. We are mid-sized firm seeking a dynamic and experienced Tax Director - High Net Worth (Partner Path) to join our prestigious finance team.
NewProgram Execution Governance Manager AxelonProgram Execution Governance ManagerTAMPA, FL$81–$85 / hourp>Global Financial Firm has an immediate contract opportunity for an experienced Program Execution Governance Manager. Partner with project managers to ensure transparent, accurate program status communication.
Construction Project Manager - Multifamily Page GroupConstruction Project Manager - MultifamilyTampa, FL$125,000–$150,000 / yearFull timeWe are seeking a highly organized and detail-oriented Construction Project Manager specializing in multifamily projects to oversee all aspects of construction from pre-construction through project completion. A successful Construction Project Manager - Multifamily should have: A strong background in the property industry, particularly in multifamily construction projects.
Quality Manager RefrescoQuality ManagerTampa, FLp>Reporting to the Plant Manager, the Manager Quality oversees the sites quality department with responsibility for total product/package quality, Food Safety/Quality cost management, safety, compliance, GMPs, and executing all Quality protocols to ensure Plant Quality objectives are met. Joining our team as a people manager means you’ll be encouraged to evolve as a leader who prioritizes the success of both you and your team, to deliver results, whilst bringing your authentic self to work.
NewCardiovascular Lab Manager, Leesburg UF HealthCardiovascular Lab Manager, LeesburgTampa, FLp>Additionally, we offer top-tier orthopedic services, minimally invasive robotic surgeries, critical emergency care, stroke treatment, labor and delivery services, and a variety of other medical offerings. Demonstrated clinical experience in relevant administrative areas, with proficiency in management principles and decision-making that influence practice scope and laboratory operations.
NewSenior Project Manager - Commercial & Institutional Michael Page USASenior Project Manager - Commercial & InstitutionalTampa, FL$130,000–$160,000 / yearFull timeOur client is a reputable Florida General Contractor with a long-standing presence in Tampa Bay, delivering complex K-12, institutional, and commercial projects. This is a senior leadership opportunity for an experienced PM ready to drive high-visibility public-sector builds.
BIM Design Technician (Construction) - Tampa, FL Ceco Concrete Construction, LLCBIM Design Technician (Construction) - Tampa, FLTampa, FLThe right candidate will have an eye for detail, be a team player by seeking to build trust with team members and eld staff, see problems as opportunities to provide solutions, and have a passion for learning. Design technicians, in collaboration with the engineering and field teams, will drive clarity and implement and support virtual construction processes through integration and application of VDC methods.
Technology Media & Telecoms Relationship Manager - Payments - Senior Associate JPMorgan Chase & CoTechnology Media & Telecoms Relationship Manager - Payments - Senior AssociateTampa, FLExecute sales/support strategies in conjunction with other lines of business; including, but not limited to the Commercial Bank, Corporate Client Bank, JPMorgan Payments Treasury Services, FX and Card Services to optimize product and service delivery. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
Relationship Manager - Agency Securities Finance - Vice President JPMorgan Chase & CoRelationship Manager - Agency Securities Finance - Vice PresidentTampa, FLJPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
Sr. Manager, Active Trader Relationship Management Morgan StanleySr. Manager, Active Trader Relationship ManagementTampa, FL$110,000–$190,000 / yearThe ideal candidate combines deep trading and active trader platform knowledge with proven multi-level leadership, strong judgment, and the ability to drive performance through managers while operating effectively across partners (e.g., Compliance, Risk, Operations, Product, and other lines of business). Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren't just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries.
Commercial Deposit Relationship Manager Hancock Whitney CorpCommercial Deposit Relationship ManagerFLImplements a disciplined contact schedule to promote client satisfaction, retain existing clients, and attract long-term profitable customer relationships and become the clients trusted financial partner through needs-based solutions. This role serves as the primary relationship owner for deposit focused clients and partners closely with Treasury Management Specialists to recommend and deliver cash management solutions.
Relationship Manager Tech, Media, Telecom- Payments - Vice President JPMorgan Chase & CoRelationship Manager Tech, Media, Telecom- Payments - Vice PresidentTampa, FLAs a Relationship Manager on the Merchant Services Technology, Media & Telecom team, you will own a portfolio of global large corporate clients, and partner closely with firmwide coverage teams to deliver coordinated client strategies. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
R&I Independence Joint Business Relationships Manager PricewaterhouseCoopers LLPR&I Independence Joint Business Relationships ManagerTampa, FL$73,500–$212,280 / yearAs part of the Joint Business Relationships (JBR) Independence team within Risk & Independence, you will consult with and provide guidance to teams on the application of the business relationship rules in areas such as provision of services, procurement, use of third-party technology, marketing, participation in conferences and events, publications, among others. PwC does not intend to hire experienced or entry level job seekers who will need, now or in the future, PwC sponsorship through the H-1B lottery, except as set forth within the following policy: https://pwc.to/H-1B-Lottery-Policy.
Team Manager, Active Trader Relationship Management Morgan StanleyTeam Manager, Active Trader Relationship ManagementTampa, FLp>Position Summary: The Active Trader Relationship Manager (ATRM) team is responsible for developing relationships with a book of highly active traders through increased client engagement and by providing education on E*TRADE's full suite of advanced active trader platforms, tools and services. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren't just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries.
Private Client Relationship Manager II - Tampa, FL TD BankPrivate Client Relationship Manager II - Tampa, FLTampa, FloridaTotal Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Ensures all NEW clients receive the complete onboarding experience, which includes; A thorough client discovery leading to a truly exceptional Private Client Experience, An introduction to the IA and TA as per client needs, and the completion of all requisite client profiling documents.
Relationship Manager PuroSystems LLCRelationship ManagerLakeland, FL$65,000–$150,000 / yearPuroClean is leading the industry in emergency property restoration services by helping families and businesses overcome the devastating setbacks caused by water, fire, mold, biohazard, and other conditions resulting in property damage. Youll Thrive If You Love building relationships face-to-face Are organized and disciplined with follow-up Want unlimited earning potential Take ownership of results.
Team Manager, Executive Relationship Management Morgan StanleyTeam Manager, Executive Relationship ManagementTampa, FL$85,000–$140,000 / yearOur values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren't just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. Additionally, the Team Manager will oversee team members and assure they meet targets for daily, weekly, monthly, and annual performance metrics; work with line of business management in coordinating team meetings, compliance training and preparation of performance reviews.
Strategic Supplier Relationship Manager I (Mid-level) - Real Estate USAAStrategic Supplier Relationship Manager I (Mid-level) - Real EstateTampa, FL$69,920–$125,850 / yearEngage regularly with clients, client relationship management, and others to ensure alignment of goals between USAA and the supplier, to understand and convey client needs to suppliers while understanding and conveying capabilities back to the client and client relationship managers. Anticipates and solves complex issues using a data-driven approach to decision making including allocating funds and developing and tracking Objectives and Key Results (OKRs) that drive Bank product success.
Sr Client Relationship Manager, Commercial Risk-Middle Market Baldwin Group ColleagueSr Client Relationship Manager, Commercial Risk-Middle MarketTampa, FloridaThe Baldwin Group is an award-winning entrepreneur-led and inspired insurance brokerage firm delivering expertly crafted Commercial Insurance and Risk Management, Private Insurance and Risk Management, Employee Benefits and Benefit Administration, Asset and Income Protection, and Risk Mitigation strategies to clients wherever their passions and businesses take them throughout the U.S. and abroad. CRM), Commercial Risk, is the primary relationship manager for a portfolio of mid to high complexity clients, overseeing commercial insurance programs, renewals, retention, strategic partnership, and advanced service needs.
Sr Client Relationship Manager, Commercial Risk-Middle Market The Baldwin Group Insurance Holdings, LLCSr Client Relationship Manager, Commercial Risk-Middle MarketTampa, FLThe Baldwin Group is an award-winning entrepreneur-led and inspired insurance brokerage firm delivering expertly crafted Commercial Insurance and Risk Management, Private Insurance and Risk Management, Employee Benefits and Benefit Administration, Asset and Income Protection, and Risk Mitigation strategies to clients wherever their passions and businesses take them throughout the U.S. and abroad. CRM), Commercial Risk, is the primary relationship manager for a portfolio of mid to high complexity clients, overseeing commercial insurance programs, renewals, retention, strategic partnership, and advanced service needs.
Client Relationship Manager Sunrise LandscapeClient Relationship ManagerPinellas Park, FL$1.50–$2 / hourThis role serves as the primary client contact and is accountable for ensuring all client activity, proposals, communication notes, and service requests are accurately tracked in Aspire, allowing for full transparency and operational alignment between sales, service, and production teams. The Client Relationship Manager (CRM) is a strategic account leader responsible for building trusted partnerships with high-value clients, driving client retention, and growing revenue through proactive service communication and enhancement sales.
Relationship Manager Team Select Home Care LLCRelationship ManagerSt. Pete, FL$55,000–$70,000 / yearThe Relationship Manager (RM) is responsible for coordinating care and operations for a patient population in an office within a region of the Long-Term Home Health/PDN Division (TS2). Works closely with the local Director of Nursing, Case Manager, and field staff to coordinate operations and clinical care.
Client Relationship Manager, Employee Benefits Baldwin Group ColleagueClient Relationship Manager, Employee BenefitsTampa, FloridaThe Client Relationship Manager (CRM), Employee Benefits, is the primary liaison between insurance carriers and clients, managing employee benefit programs, renewals, and day to day service inquiries. The Client Relationship Manager (CRM), Employee Benefits, is the primary liaison between insurance carriers and clients, managing employee benefit programs, renewals, and day‑to‑day service inquiries.
Retirement Plan Relationship Manager - Adcock Financial Group Kestra Financial Independent AdvisorRetirement Plan Relationship Manager - Adcock Financial GroupTampa, FLThis individual will serve as a primary point of contact for corporate clients, plan sponsors, TPAs, recordkeepers and investment partners while delivering exceptional service and retirement plan consulting support. · Collaborate with team members, platform providers, TPA partners and auditors to present plan document reviews, investment reviews and RFP Benchmarking Cost Analysis.
Commercial Banking Relationship Manager -Tampa, FL FinTrust Connect CareersCommercial Banking Relationship Manager -Tampa, FLTampa, FloridaFunction: This role is focused on lower middle market commercial banking, with responsibility for originating new C&I relationships, developing referral channels, structuring credit opportunities, and growing deposits and treasury management relationships. This opportunity is tied to intentional market expansion in Tampa Bay and it's ideal for a proven commercial banker who can originate, build relationships, and establish a strong presence in the lower middle market.
Senior Relationship Manager - Community Development Lending & Investing KeyCorpSenior Relationship Manager - Community Development Lending & InvestingTampa, FL$116,000–$216,000 / yearOriginate and manage a portfolio of community development loans and equity investments, including affordable housing, Low-Income Housing Tax Credit (LIHTC) projects, New Market Tax Credits (NMTC), and other CRA-qualified activities. General Office - Prolonged sitting, ability to communicate face to face in person or on the phone with teammates and clients, frequent use of PC/laptop, occasional lifting/pushing/pulling of backpacks, computer bags up to 10 lbs.
NewSr. Relationship Manager - C&IB The PNC Financial Services Group IncSr. Relationship Manager - C&IBTampa, FLp>In 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.
Client Relationship Manager, Employee Benefits The Baldwin Group Insurance Holdings, LLCClient Relationship Manager, Employee BenefitsTampa, FLThe Client Relationship Manager (CRM), Employee Benefits, is the primary liaison between insurance carriers and clients, managing employee benefit programs, renewals, and day to day service inquiries. The Client Relationship Manager (CRM), Employee Benefits, is the primary liaison between insurance carriers and clients, managing employee benefit programs, renewals, and day‑to‑day service inquiries.
Relationship Manager I - Business Banking The PNC Financial Services Group IncRelationship Manager I - Business BankingBrandon, FLp>In 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 • 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.
NewRelationship Manager II-Business Banking The PNC Financial Services Group IncRelationship Manager II-Business BankingSaint Petersburg, FLp>In 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.
Preferred Relationship Manager Fifth Third BancorpPreferred Relationship ManagerParrish, FLProactively contact and service customers in the sales and service of bank products, conduct needs-based assessment of the prospective and existing client base, and engage partners to fulfill client financial needs. The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location.
Commercial Real Estate CRE Relationship Manager Amerant Bancorp IncCommercial Real Estate CRE Relationship ManagerTampa, FLMaintains and ensures high quality loan portfolio though the support of underwriting and portfolio management team by monitoring loan policy exceptions, ongoing review of credits, loan covenant compliance, and site inspections. Technical and/or Other Essential Knowledge: Excellent knowledge of local Real Estate industry; expert real estate credit skills; financial statement analysis, real estate construction and credit structuring.
RELATIONSHIP MANAGER Manning & Napier, Inc.RELATIONSHIP MANAGERSt. Petersburg, FL$60,000–$85,000 / yearli>Initiate new account paperwork and client directives, overseeing onboarding and investment objective updates and driving cross-functional completion of all required criteria. Total compensation is comprised of base salary and multiple tiers of bonuses including discretionary, metrics-based, a third category that is reserved for top-performers that are recognized as Team Leads.
Business Banking Relationship Mgr. II - Tampa/Orlando Citizens Financial Group IncBusiness Banking Relationship Mgr. II - Tampa/OrlandoTampa, FLStrong negotiation skills and the ability to overcome objections and adversity Following of prospects, customers and COIs Ability to self-generate and drive new business development Action oriented and self-accountable to superior results Strong understanding of risk and compliance Meaningful Community involvement Strong understanding of core products and services. 4+ years in upper Business Banking/Lower Middle Market experience Completion of Commercial Credit Training Meaningful experience with moderately complex portfolios, customers, and transactions.
NewProduct Partner Relationship Manager Raymond James Financial IncProduct Partner Relationship ManagerSaint Petersburg, FLThe successful candidate will help align partner capabilities with advisor education needs, manage high-visibility events and initiatives, support thoughtful business planning, and represent Raymond James with professionalism, judgment and integrity. Raymond James is seeking a Product Partner Relationship Manager to strengthen strategic relationships with leading investment product partners, including mutual fund, ETF, annuity and other asset management firms.
Commercial Relationship Manager II South State BankCommercial Relationship Manager IIFLDIMENSIONS REQUIRED: Provides commercial loans in compliance with the Bank's policies and procedures Bachelor's Degree in Business, finance or equivalent work experience in related field and 3-5 years of previous commercial lending experience in a bank or loan setting. PRINCIPAL ACCOUNTABILITIES Interviews loan applicants, and collects and analyzes financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request.
Relationship Manager PuroClean Emergency Restoration SpecialistsRelationship ManagerLakeland, Floridadiv class="account_description">“We Build Careers” - Steve White, President and COO. We operate with a ‘servant-based leadership’ mindset and seek to create an environment where our team members can grow both professionally and spiritually through serving our customers, communities, and each other.
Claims Relationship Manager SageSure Insurance Managers LLCClaims Relationship ManagerTampa, FLp>We have more than 1,000 employees in a distributed workforce environment across 12 offices-Fairfield, CA; Mountain View, CA; Cheshire, CT; Jacksonville, FL; Tallahassee, FL; Tampa, FL; Chicago, IL; Jersey City, NJ; Marlton, NJ; Cincinnati, OH; Houston, TX; Sheboygan, WI-who are tackling the industry's toughest challenges. . We champion belonging and inclusion for all identities, including, but not limited to, race, ethnicity, religion, sexual orientation, age, veteran status, ability status, gender, and country of origin, striving to create a culture where all individuals feel valued, respected, and empowered to bring their authentic selves to work.
Relationship Manager Dynasty Financial PartnersRelationship ManagerSt Petersburg, FLQualifications: We are looking for candidates with experience in one or more of the following areas: Wealth Management - Direct experience as an advisor, manager, or in a support role, with deep knowledge of the operations and client relationships involved in running a wealth management firm. Practice Management - Demonstrated ability to work with advisors and firm leaders to drive growth, improve profitability, and enhance operational efficiency.
Commercial Relationship Manager Ameris BankCommercial Relationship ManagerTampa, FloridaTeammates have access to Employee Resource Groups that serve as advocates and purpose and how you can bring it to life as an Ameris Bank teammate. The position makes sales calls and visits to business customers, high net worth individuals and prospects to understand the client needs, customize solutions that will benefit the customer and meet loan, deposit, and service needs.