63689 Automotive Service Manager Floyd MeGee Motor Company63689 Automotive Service ManagerDover, DEFull timestrong>Floyd Megee Chrysler Dodge Jeep RAM is looking for an experienced Automotive Service Manager to join their dynamic service team. At least 1-year previous service manager experience or 3+ years experience as a service advisor at a dealership.
NewGeotechincal Project Manager (PE) JobotGeotechincal Project Manager (PE)Newark, DE$100,000–$150,000 / 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 role offers involvement in transportation, marine, and public-sector projects while providing opportunities to mentor staff, strengthen client partnerships, and contribute to long-term strategic growth.
NewBAS/HVAC Controls Project Manager JobotBAS/HVAC Controls Project ManagerNew Castle, DE$90,000–$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. With a sizable workforce and extensive field operations, the company supports clients through system design, installation, and ongoing maintenance aimed at improving environmental control and operational efficiency.
NewTax partner OR (Step-up) Senior Tax Manager JobotTax partner OR (Step-up) Senior Tax ManagerWilmington, DE$160,000–$240,000 / 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.
Dialysis Clinical Manager Registered Nurse - RN Fresenius Medical CareDialysis Clinical Manager Registered Nurse - RNWilmington, DEAs the facility leader, you will be part of a close-knit, collaborative team responsible for delivering unique care plans and providing dialysis treatment to patients facing end stage renal disease or chronic kidney disease. We have a diverse range of employee resource groups (ERGs) to encourage employees with similar interests, goals, social and cultural backgrounds, or experiences to come together for professional and personal development, discussion, activities, and peer support.
TERRITORY MANAGER Carter Machinery Company, IncTERRITORY MANAGERFelton, DE$0.75–$1.25 / hourThe Territory Manager is responsible for the rental and sale of new machines, used machines; and sale of select allied equipment and other dealer services within their assigned territory and assigned list of customers. Frequently required to sit; use hands to handle, finger, or feel; reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl.
Product Manager / Analyst BC ForwardProduct Manager / AnalystWilmington, DEFull timeThe ideal candidate will have strong experience in Agile product delivery, fraud/banking domains, data analysis, and SDLC feature execution and a proven ability to translate complex business needs into actionable epics and user stories that drive on-time feature delivery. With delivery centers and offices across North America and India, we take pride in building long-term relationships and delivering excellence through innovation, collaboration, and integrity.
Relationship Manager I - Business Banking PNC BankRelationship Manager I - Business BankingWilmington, Delawarep style="text-align:inherit"/>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. Refer to the California Consumer Privacy Act Privacy Notice to gain understanding of how PNC may use or disclose your personal information in our hiring practices.
Senior Associate, Card Payment Networks - Relationship Manager JPMorgan Chase & CoSenior Associate, Card Payment Networks - Relationship ManagerDEp>As a Senior Associate, Card Payment Networks - Relationship Manager in the Card Payment Networks Team, you manage day-to-day network engagement and internal execution to keep priorities moving and risks contained. Experience in a Card Payment Networks Office, payment partnerships, or network relationship management role within a large financial institution.
Corporate Trust Associate Relationship Manager I or II UMB Financial CorpCorporate Trust Associate Relationship Manager I or IIWilmington, DE$43,000–$95,170 / yearThis role is responsible for administrative support to existing corporate trust clients, responding to client inquiries, and providing overall assistance to the Relationship Management team including; compiling performance data, record keeping, coordinating activities with operations staff, working with custodian banks and client staff, and resolving administrative and operations problems. Our trust services reach beyond traditional offerings to servicing ABS, aviation, reinsurance and funeral trusts, while our agency business provides solutions for escrow and other transactional needs.
SBA Franchise Relationship Manager WSFS Financial CorpSBA Franchise Relationship ManagerDE$111,440–$183,082.25 / yearp>WSFS Bank will only consider candidates who are presently authorized to work for any employer in the United States and who will not require work visa sponsorship from WSFS Bank now or in the future in order to retain their authorization to work in the United States. For more information about Associate benefits, please visit https://www.wsfsbank.com/about/careers/.
SBA Lending Relationship Manager Wsfs FinancialSBA Lending Relationship ManagerWilmington, Delaware$111,440–$183,082.25WSFS Bank will only consider candidates who are presently authorized to work for any employer in the United States and who will not require work visa sponsorship from WSFS Bank now or in the future in order to retain their authorization to work in the United States. Individual base pay may vary on additional factors such as the candidate's experience, job-related skills, relevant education, geographic location, and other specific business and organizational needs.
Private Client Relationship Manager Citizens Financial Group IncPrivate Client Relationship ManagerLewes, DEp>As a Citizens Private Client Relationship Manager (PCRM), you will engage directly with our affluent and high-net-worth clients to exceed their expectations by thinking long term, always doing the next right thing, and collaborating with other colleagues. Grow net deposits, investments, and lending balances by executing comprehensive discovery and financial planning conversations, understanding a client's financial goals, and presenting personalized strategies aligned with each client's objectives.
Senior Relationship Manager - Middle Market Banking WSFS Financial CorpSenior Relationship Manager - Middle Market BankingWilmington, DE$133,728–$219,696.75 / yearIn collaboration with a dedicated Portfolio Manager, the incumbent will track existing loan portfolio to ensure complete conformity with terms and covenants, monitor and identify developing trends or early warning signs of problem credits, perform timely risk assessment based upon this information, update loan systems and customer credit files with assessments, and perform annual reviews. The incumbent will retain and expand existing Middle Market relationships, as well as sourcing new commercial relationships via systematic networking with prospects and referral sources (i.e., existing client, CPAs, attorneys, PE firms, investment banks).
Relationship Manager II First Citizens Community BankRelationship Manager IIWilmington, DEp>Utilize relationship management skills and techniques to service and expand current business relationships by proactive, ongoing contact with the customers to determine their financial needs and developing appropriate solutions by offering a broad spectrum of financial products and services (including, but not limited to, loans, deposits, cash management, merchant and wealth management services) in order to enhance existing business relationships and contribute to the bank's profit and growth objectives. Develop and administer a portfolio of commercial loans that meet or exceed the bank's credit quality and profitability by demonstrating sound credit analysis, loan structuring and conducting annual reviews in compliance with established internal and regulatory policies and procedures while providing excellent customer service in order to contribute to the bank's profit and growth objectives.
Contracting & Credentialing Relationship Manager - Full Time Experity IncContracting & Credentialing Relationship Manager - Full TimeDERemote$21.50–$25.64 / hourp>Experity is a mission-driven team transforming on-demand healthcare across the U.S., empowering urgent care clinics with industry-leading software that makes care faster, easier, and more patient-focused. Flexibility - Experity is committed to helping team members face the demands of juggling work, family and life-related issues by offering flexible work scheduling to manage your work-life balance.
Business Banking Relationship Manager III- Philadelphia Main Line, PA WSFS BankBusiness Banking Relationship Manager III- Philadelphia Main Line, PAWilmington, DE$111,440–$183,082.25 / yearThe Business Banker is responsible for end-to-end relationship management, from sourcing and analyzing client opportunities to structuring loans and monitoring portfolio performance, while actively collaborating with internal and external partners to enhance client value. This position plays a key role in driving business growth by providing expert financial advice and a full-service business banking to include lending, deposit, and non-credit products to support the financial goals of business clients.
Ag Relationship Manager Horizon Farm Credit, ACAAg Relationship ManagerGeorgetown, Delaware$50,500–$77,000Our ideal candidate brings strong financial acumen, a genuine passion for agriculture, the ability to contribute to managing a diverse portfolio and a commitment to helping farmers achieve their goals through personalized loan solutions. Makes periodic calls on loan customers to evaluate management, inspect collateral, detect signs of potential financial problems, or uncover opportunities for additional lending.
Ag Relationship Manager Horizon Farm CreditAg Relationship ManagerDover, DEWe offer competitive compensation and benefits packages for full-time employees including: Medical insurance with dental and vision care options 401 (k) with significant employer matching Paid time off, holidays, and volunteer time to support work/life balance Tuition reimbursement and training opportunities Student loan reimbursement Leadership and career development opportunities Paid maternity and bonding leave Paid short-term disability Fun and inclusive work environment Salary Range: $50,500 - $77,000, depending on previous experience. Our ideal candidate brings strong financial acumen, a genuine passion for agriculture, the ability to contribute to managing a diverse portfolio and a commitment to helping farmers achieve their goals through personalized loan solutions.
GCM Relationship Manager III - ABS & MBS Administration M&T Bank CorpGCM Relationship Manager III - ABS & MBS AdministrationWilmington, DE$106,700–$177,900 / yearAdvise and work with management on any actual or potential product changes, such as adverse court or regulatory rulings, competitive landscape changes and changes to market provisions in agreements, that may affect GCM's ability to sustain its' control environment, future profitability and growth to ensure pro-active responses to identified issues. Overview: Manages client relationships and daily administration of assigned Global Capital Markets (GCM) Structured Finance accounts that may have significant complexity and risk, including all administrative, operational and risk management activities for GCM transactions.
Relationship Manager I - Business Banking The PNC Financial Services Group IncRelationship Manager I - Business BankingLewes, DEPNC 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. This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history.
GCM Relationship Manager III - ABS & MBS Administration Wilmington TrustGCM Relationship Manager III - ABS & MBS AdministrationWilmington, Delawareli>Advise and work with management on any actual or potential product changes, such as adverse court or regulatory rulings, competitive landscape changes and changes to market provisions in agreements, that may affect GCM’s ability to sustain its’ control environment, future profitability and growth to ensure pro-active responses to identified issues. Work with management to identify opportunities to enhance GCM’s control environment, existing and new products, internal coordination and collaboration and client service model and implement enhancements as requested to improve business results, client service and efficiency.
Commercial Banking Relationship Manager WSFS BankCommercial Banking Relationship ManagerWilmington, DE$92,869–$152,569 / yearIn collaboration with a dedicated Portfolio Manager, the incumbent will track existing loan portfolio to ensure complete conformity with terms and covenants, monitor and identify developing trends or early warning signs of problem credits, perform timely risk assessment based upon this information, update loan systems and customer credit files with assessments, and perform annual reviews. WSFS Bank will only consider candidates who are presently authorized to work for any employer in the United States and who will not require work visa sponsorship from WSFS Bank now or in the future in order to retain their authorization to work in the United States.
Commercial Real Estate Relationship Manager Fulton BankCommercial Real Estate Relationship ManagerGreenville, Delaware$114,100–$190,100 / yearContribute to the profitability and growth of Fulton's commercial banking by building, developing and managing new and existing Community Commercial Real Estate client relationships. Each employee of the Organization, regardless of position, is accountable for reading, understanding and acting on the contents of all Company-assigned and/or job related Compliance Programs, regulations and policies and procedures, as well as ensure that all Compliance Training assignments are completed by established due dates.
Client Relationship Manager CSC GroupClient Relationship ManagerDEp>The Strategic Account Manager (SAM) is responsible for protecting and growing CSC's existing revenue base through proactive client engagement, risk identification, and strategic collaboration with Sales. CSC is a global business, legal, and financial services company based in Wilmington, Delaware, USA, providing knowledge-based solutions to clients worldwide.
Corporate Trust Associate Relationship Manager I or II UMB BankCorporate Trust Associate Relationship Manager I or IIWilmington, DelawareThis role is responsible for administrative support to existing corporate trust clients, responding to client inquiries, and providing overall assistance to the Relationship Management team including; compiling performance data, record keeping, coordinating activities with operations staff, working with custodian banks and client staff, and resolving administrative and operations problems. If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB..
Business Banking Relationship Manager - New Castlebusi County, DE M&T Bank CorpBusiness Banking Relationship Manager - New Castlebusi County, DENewark, DE$94,400–$157,400 / yearp>Good understanding of Cash Management, Merchant Service, Trade Services products offered to Business Banking customers and ability to identify sales opportunities for those product sets. Education and Experience Required: Bachelor's degree or in lieu of a degree, a minimum of 4 years of related sales/banking experience, or a combination thereof.
GCM Relationship Manager II - Loan Agency M&T Bank CorpGCM Relationship Manager II - Loan AgencyWilmington, DE$89,000–$148,300 / yearp>Overview: As part of the LoaOthern Market Solutions Division, the Loan Agency team provides third party Administrative and Collateral Agent services for sophisticated institutional clients in the syndicated and private credit loan space. Education and Experience Required: Combined minimum of 4 years' higher education and/or work experience, including a minimum of 5 year relevant work experience with direct client contact.
Ag Relationship Manager AgFirstAg Relationship ManagerGeorgetown, Delaware$50,500–$77,000Our ideal candidate brings strong financial acumen, a genuine passion for agriculture, the ability to contribute to managing a diverse portfolio and a commitment to helping farmers achieve their goals through personalized loan solutions. Makes periodic calls on loan customers to evaluate management, inspect collateral, detect signs of potential financial problems, or uncover opportunities for additional lending.
GCM Relationship Manager II - Loan Agency Wilmington TrustGCM Relationship Manager II - Loan AgencyWilmington, Delawarep>As part of the LoaOthern Market Solutions Division, the Loan Agency team provides third party Administrative and Collateral Agent services for sophisticated institutional clients in the syndicated and private credit loan space. Our team is responsible for managing daily loan servicing including transaction onboarding, processing assignments/trades, debt service payments, fundings, loan reprices, etc.
Senior Commercial Relationship Manager Fulton Financial CorpSenior Commercial Relationship ManagerDE$143,100–$238,500 / yearli>Leverage knowledge of diverse types of businesses, industries, markets, financial and economic concepts, as well as creative marketing techniques, utilizing Fulton resources and materials to develop business network and prospects. Contribute to the profitability and growth of Fulton''s commercial banking by building, developing and managing new and existing client relationships with businesses with revenue of $25-100 million dollars.
SBA Lending Relationship Manager WSFS BankSBA Lending Relationship ManagerWilmington, Delaware111,440.00 - $183,082.25Individual base pay may vary on additional factors such as the candidate’s experience, job-related skills, relevant education, geographic location, and other specific business and organizational needs. For more information about Associate benefits, please visit https://www.wsfsbank.com/about/careers/.
Global Capital Markets - Relationship Manager II M&T Bank CorpGlobal Capital Markets - Relationship Manager IIWilmington, DE$89,000–$148,300 / yearp>Education and Experience Required: Bachelor's degree and a minimum of 2 years' client service experience in Global Capital Markets products or markets, OR in lieu of a degree, A combined minimum of 6 years' higher education and/or work experience, including a minimum of 2 years' client service experience in Global Capital Markets products or markets. Manage relationships, cultivating current and prospective clients and referral sources to uncover opportunities and potential sources of new business including representing GCM at transaction closings, attending and chairing client meetings and presentations and preparing relevant documentation to support the attraction, retention and expansion of client relationships.
GCM Relationship Manager II - Project Finance M&T Bank CorpGCM Relationship Manager II - Project FinanceWilmington, DE$89,000–$148,300 / yearp>Education and Experience Required: Bachelor's degree and a minimum of 2 years' client service experience in Global Capital Markets products or markets, OR in lieu of a degree, A combined minimum of 6 years' higher education and/or work experience, including a minimum of 2 years' client service experience in Global Capital Markets products or markets. Manage relationships, cultivating current and prospective clients and referral sources to uncover opportunities and potential sources of new business including representing GCM at transaction closings, attending and chairing client meetings and presentations and preparing relevant documentation to support the attraction, retention and expansion of client relationships.
Senior Asset Recovery Relationship Manager WSFS BankSenior Asset Recovery Relationship ManagerWilmington, DE$111,440–$183,082.25 / yearThe Senior Asset Recovery Relationship Manager (ARRM) will assume the responsibility for the collections/restructuring and relationship management of problem CRE and C&I loans with exposure up to or over $10,000,000 (Level I: up to $1 million; II: up to $5 million; III: up to $10 million; IV: over $10 million) within the real estate or commercial lending portfolio. Maintain regular contact with borrower(s) and/or guarantor(s), recommend and implement legal action with the assistance of outside counsel, if necessary, upon default (i.e. foreclosure, levies, attachments, bankruptcies and ensure proper collection procedures and techniques are followed and documented in accordance with local, state and federal laws and regulations.
Business Banking Relationship Mgr. II Citizens Financial Group IncBusiness Banking Relationship Mgr. IINewark, DE$150,000–$180,000 / yearIn this role, you'll acquire and deepen client relationships by collaborating across the enterprise to deliver comprehensive solutions in areas such as credit, liquidity, interest rate management, treasury solutions, and Wealth Management. Manage, acquire and deepen a portfolio of new and existing commercial customer relationships within the Business Banking target market of five million to fifty million in annual revenue.
Commercial Real Estate Relationship Manager Fulton Financial CorpCommercial Real Estate Relationship ManagerDE$114,100–$190,100 / yearp>Contribute to the profitability and growth of Fulton''s commercial banking by building, developing and managing new and existing Community Commercial Real Estate client relationships. Each employee of the Organization, regardless of position, is accountable for reading, understanding and acting on the contents of all Company-assigned and/or job related Compliance Programs, regulations and policies and procedures, as well as ensure that all Compliance Training assignments are completed by established due dates.
Global Capital Markets - Relationship Manager II Wilmington TrustGlobal Capital Markets - Relationship Manager IIWilmington, DelawareBachelor's degree and a minimum of 2 years’ client service experience in Global Capital Markets products or markets, OR in lieu of a degree, A combined minimum of 6 years’ higher education and/or work experience, including a minimum of 2 years’ client service experience in Global Capital Markets products or markets. Manage relationships, cultivating current and prospective clients and referral sources to uncover opportunities and potential sources of new business including representing GCM at transaction closings, attending and chairing client meetings and presentations and preparing relevant documentation to support the attraction, retention and expansion of client relationships.
GCM Relationship Manager II - Project Finance Wilmington TrustGCM Relationship Manager II - Project FinanceWilmington, Delawarep>Bachelor's degree and a minimum of 2 years’ client service experience in Global Capital Markets products or markets, OR in lieu of a degree, A combined minimum of 6 years’ higher education and/or work experience, including a minimum of 2 years’ client service experience in Global Capital Markets products or markets. Manage relationships, cultivating current and prospective clients and referral sources to uncover opportunities and potential sources of new business including representing GCM at transaction closings, attending and chairing client meetings and presentations and preparing relevant documentation to support the attraction, retention and expansion of client relationships.
Global Capital Markets Project Finance Relationship Manager II - Wilmington, Delaware HQ Wilmington TrustGlobal Capital Markets Project Finance Relationship Manager II - Wilmington, Delaware HQWilmington, Delawarep>Bachelor's degree and a minimum of 2 years’ client service experience in Global Capital Markets products or markets, OR in lieu of a degree, A combined minimum of 6 years’ higher education and/or work experience, including a minimum of 2 years’ client service experience in Global Capital Markets products or markets. Manage relationships, cultivating current and prospective clients and referral sources to uncover opportunities and potential sources of new business including representing GCM at transaction closings, attending and chairing client meetings and presentations and preparing relevant documentation to support the attraction, retention and expansion of client relationships.
Global Capital Markets Relationship Manager II Wilmington TrustGlobal Capital Markets Relationship Manager IIWilmington, Delawarep>Bachelor's degree and a minimum of 2 years’ client service experience in Global Capital Markets products or markets, OR in lieu of a degree, A combined minimum of 6 years’ higher education and/or work experience, including a minimum of 2 years’ client service experience in Global Capital Markets products or markets. Manage relationships, cultivating current and prospective clients and referral sources to uncover opportunities and potential sources of new business including representing GCM at transaction closings, attending and chairing client meetings and presentations and preparing relevant documentation to support the attraction, retention and expansion of client relationships.
Senior Relationship Manager - Middle Market Banking WSFS BankSenior Relationship Manager - Middle Market BankingWilmington, DE$133,728–$219,696.75 / yearIn collaboration with a dedicated Portfolio Manager, the incumbent will track existing loan portfolio to ensure complete conformity with terms and covenants, monitor and identify developing trends or early warning signs of problem credits, perform timely risk assessment based upon this information, update loan systems and customer credit files with assessments, and perform annual reviews. The incumbent will retain and expand existing Middle Market relationships, as well as sourcing new commercial relationships via systematic networking with prospects and referral sources (i.e., existing client, CPAs, attorneys, PE firms, investment banks).
Commercial Relationship Manager Fulton Financial CorpCommercial Relationship ManagerDE$114,100–$190,100 / yearp>Contribute to the profitability and growth of Fulton''s commercial banking by building, developing and managing new and existing client relationships with businesses with revenue of $5-25 million dollars. Each employee of the Organization, regardless of position, is accountable for reading, understanding and acting on the contents of all Company-assigned and/or job related Compliance Programs, regulations and policies and procedures, as well as ensure that all Compliance Training assignments are completed by established due dates.
Retail Merchant Services - Relationship Manager - Payments - Senior Associate JPMorgan Chase & CoRetail Merchant Services - Relationship Manager - Payments - Senior AssociateWilmington, DEul>Achieve firm-wide business objectives, including the annual revenue plan at target margins; by maintaining and growing existing relationships, identifying incremental business and maintaining high levels of client satisfaction. 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.
Retail Merchant Services - Relationship Manager - Payments - Vice President JPMorgan Chase & CoRetail Merchant Services - Relationship Manager - Payments - Vice PresidentWilmington, DEli>Execute 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. Achieve firm-wide business objectives, including the annual revenue plan at target margins; by maintaining and growing existing relationships, identifying incremental business and maintaining high levels of client satisfaction.
Wilmington Trust Institutional Services Relationship Manager- Wilmington, Delaware Wilmington TrustWilmington Trust Institutional Services Relationship Manager- Wilmington, DelawareWilmington, Delawarep/>M&T Bank is committed to fair, competitive, and market-informed pay for our employees. Execute disbursement‑related activities in strict adherence to ICS controls, including validation of payment instructions and escalation of discrepancies.
Senior Relationship Advisor Northern Trust CorpSenior Relationship AdvisorWilmington, DEul>Manage an assigned account base of sophisticated wealth management clients by working closely with client service teams, clients, and their professional advisors to develop a thorough understanding of client needs and goals, while maintaining mastery of governing documents, fiduciary duties, and applicable laws. As a senior member of the service team, this role assumes primary responsibility for overall client satisfaction by collaborating with partners and utilizing appropriate Northern Trust resources to ensure timely delivery of fiduciary services, effective issue resolution, and clear communication of client needs.
NewSr. Relationship Advisor Northern Trust CorpSr. Relationship AdvisorWilmington, DEp>As a global leader in innovative wealth management, asset servicing, asset management and banking services, Northern Trust (Nasdaq: NTRS) is proud to guide the world's most successful individuals, families, corporations and institutions. Manages assigned account base of sophisticated wealth management clients by working with client service team, clients and their professional advisors to develop a thorough understanding of the client's needs and goals.