Mortgage Loan Processor JobotMortgage Loan ProcessorWest Chester Township, OH$59,000–$62,000 / 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. This role is integral to our operations, requiring a candidate who is detail-oriented, has excellent customer service skills, and possesses strong oral and written communication abilities.
Loan Officer Cardinal Credit Union IncLoan OfficerMentor, OHCardinal Credit Union was selected by The Cleveland Plain Dealer as a Top Work Places and one of the Best Workplaces in Ohio. Description: Are you searching for an opportunity to make a real impact, experience professional growth, and become a respected member of one of the 200 Healthiest Credit Unions in the nation?.
NewMortgage Processing Specialist Civista BankMortgage Processing SpecialistSandusky, OHStrong knowledge of banking industry practices relative to bank loan operations with respect to mortgage loan products, services, policies, and procedures. This role works closely with the borrower, mortgage loan officers, and underwriters to ensure an exceptional home buying experience.
Finance Director (Non-Profit) JobotFinance Director (Non-Profit)Canton, OH$100,000–$150,000 / yearThe Accounting & Business Manager sits at the intersection of nonprofit accounting, construction job-costing, and mortgage loan servicing, safeguarding the financial integrity that makes this organization's affordable homeownership model possible. 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.
NewPost Closing Specialist I BC ForwardPost Closing Specialist ICincinnati, OHFull timeThe ideal candidate will have experience in residential mortgage post-closing, document remediation, and investor delivery and a proven ability to identify and resolve defects, ensure salability, and manage risk within established guidelines . 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.
Remote Mortgage Underwriter (DE and LAPP/SAR Required) JobotRemote Mortgage Underwriter (DE and LAPP/SAR Required)Cleveland, OHRemote$95,000–$110,000 / 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. Your underwriting decisions will directly influence customers’ ability to secure financing for their new homes, making attention to detail, sound judgment, and collaboration essential to success.
Team Lead, Commercial Loan Servicing Fifth Third BancorpTeam Lead, Commercial Loan ServicingCincinnati, OHThe Team Lead, Commercial Loan Servicing leads and manages a team of Commercial Loan Servicing Advisors responsible for post-closing servicing, loan maintenance, and borrower support across the Commercial portfolio. 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.
Program Manager – Loan Servicing / Capital Markets Systems (Consulting) SolomonEdwardsProgram Manager – Loan Servicing / Capital Markets Systems (Consulting)Columbus, OHRemote$80–$90 / hourThis role will lead complex system implementation efforts across loan servicing, capital markets, and investor/loan accounting functions while partnering with business, technology, and integration leaders to drive execution, manage risk, and maintain alignment across workstreams. We know that our consulting services are only as meaningful as the people and talent behind them, and we are committed to recruiting incredibly talented, committed, and collaborative individuals who can help us deliver exceptional client service.
Manager, Commercial Loan Servicing Fifth Third BancorpManager, Commercial Loan ServicingCincinnati, OHThe Manager, Commercial Loan Servicing leads the overall Commercial Loan Servicing function, overseeing multiple teams and team leads responsible for post-closing servicing, loan maintenance, and borrower support across the Commercial portfolio. 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.
Copy of Loan Servicing Specialist, Customer Service LendKey Technologies IncCopy of Loan Servicing Specialist, Customer ServiceCincinnati, OHWhat We Do: LendKey offers a comprehensive digital platform for private student loans, student loan refinancing, and home improvement loans, allowing community-based financial institutions to expand their portfolios and serve more borrowers without increasing infrastructure. With over $8 billion in originated loans and $3.4 billion in serviced assets, we provide an integrated platform combining technology, operations, compliance, and capital markets access to help financial institutions compete in the digital age.
AVP & Loan Servicing Manager - Loan Servicing WesBanco IncAVP & Loan Servicing Manager - Loan ServicingIndependence, OHPossess clear, concise, effective written and oral communication skills to effectively express thoughts, ideas and concepts to management, bank employees and bank customers in a collaborative and solutions-oriented manner. SUMMARY: The Loan Servicing Manager oversees multiple teams of individuals that engage and interact directly with internal and external customers while supporting loan file servicing, insurance servicing and escrow servicing.
Loan Servicing Manager JPMorgan Chase Bank, N.A.Loan Servicing ManagerColumbus, OHFull timeAdvanced skills in strategic planning and time management, with a demonstrated ability to define organizational direction, allocate resources, and manage multiple tasks efficiently to achieve goals effectively. Strong organizational skills that enable efficient functioning in high-volume, fast-paced, deadline-oriented environments, ensuring adherence to service level agreements and timely delivery.
Loan Support Analyst Sr (Commercial Participated Servicing) The PNC Financial Services Group IncLoan Support Analyst Sr (Commercial Participated Servicing)OH$41,250–$82,500 / 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. 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.
NewLoan Servicing Supervisor - Lead a High-Performance Team General ElectricLoan Servicing Supervisor - Lead a High-Performance TeamCincinnati, OHGeneral Electric Credit Union is seeking a Loan Servicing Supervisor in Cincinnati, Ohio, to oversee the daily operations of the loan servicing team. This role entails training and supporting staff to ensure operational and member service goals are met while fostering a high-performance culture.
Loan Servicing I The Croghan Colonial BankLoan Servicing IFremont, OH$18.50–$23Develop a proactive internal communication with Loan Servicing Manager to enhance loan servicing and maximize the functionality of the core processing systems. Work with branch personnel, both verbally and in writing, in problem solving and question resolution to minimize risk to the Bank and ensure customer satisfaction in the loan closing process.
Loan Operations Servicing Specialist Community Savings Bancorp IncLoan Operations Servicing SpecialistNorth Olmsted, OHSummary: The Loan Operations Servicing Specialist is responsible for the timely and accurate processing activities related to the booking and funding of Third Party Originated (TPO) loans, serves as backup in the preparation of in-house loans for loan approval, preparing loan documents for closing, booking and funding loans and ensuring all documentation is signed appropriately. Provide backup loan support for Caldwell loans including ordering title searches, deeds, appraisals, verifications of employment, and flood certifications; Prepare loan documents for closing; Open loans on core system and ensure all documents are properly signed; Track incomplete loan files for missing documents.
Part Time - Loan Servicing & Default Specialist Andover BankPart Time - Loan Servicing & Default SpecialistAndover, OHThe Loan Servicing and Default Specialist manages and resolves delinquent Loans, working to mitigate financial risk for the bank while helping borrowers navigate repayment. While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms; and talk or hear.
NewCommercial Specialized Servicing Specialist - Commercial Loan Operations WesBanco IncCommercial Specialized Servicing Specialist - Commercial Loan OperationsToledo, OHSUMMARY: Responsible for all activities related to maintaining, processing and providing distinctive customer service to the Mortgage Warehouse Lending and Dealer Floor Plan account customers, as well as other specialty lending transactions, verifying accuracy of data and performing any transactions and maintenance required to maintain the integrity of the data records. Possess clear, concise, effective written and oral communication skills to effectively express thoughts, ideas and concepts to management, bank employees and bank customers in a collaborative and solutions-oriented manner.
Commercial Specialized Servicing Senior Specialist - Commercial Loan Operations WesBanco IncCommercial Specialized Servicing Senior Specialist - Commercial Loan OperationsDefiance, OHAssists with bank data conversions including gathering information from converting bank to assist with design of conversion matrices; gathering information from converting bank to assist in designing or modifying procedures; reviewing test and live conversion data for accuracy; ensuring that the necessary post conversion activities are carried out timely and accurately. Possess clear, concise, effective written and oral communication skills to effectively express thoughts, ideas and concepts to management, bank employees and bank customers in a collaborative and solutions-oriented manner.
Insurance Servicing Associate - Consumer Loan Operations WesBanco IncInsurance Servicing Associate - Consumer Loan OperationsOttawa, OHPossess clear, concise, effective written and oral communication skills to effectively express thoughts, ideas and concepts to management, bank employees and bank customers in a collaborative and solutions-oriented manner. Possess clear, concise, effective written and oral communication skills to effectively express thoughts, ideas and concepts to management, bank employees and bank customers in a collaborative and solutions oriented manner.
SBA Loan Servicing & Liquidation Specialist Rhonemus GroupSBA Loan Servicing & Liquidation SpecialistColumbus, OHWe are looking for an individual with strong analytical skills, a deep understanding of SBA lending programs, with a specific focus on SBA Acquisition deals and the ability to proactively address potential credit losses. The officer works closely with borrowers, legal counsel, senior management, and other stakeholders to negotiate resolutions, restructure loans, and oversee foreclosure or liquidation proceedings when necessary.
Consumer Loan Servicing Specialist: III (Senior) Talent Software Services, Inc.Consumer Loan Servicing Specialist: III (Senior)Columbus, OH$25–$31 / hourHighly motivated with strong organizational (time management, planning, goal setting, tracking, etc.), analytical, decision making, and problem-solving skills. High level of professionalism and confidence with the ability to build credibility and work collaboratively with team members, leadership, Risk, Audit, IT, and business partners.
NewSenior Consumer Loan Servicing Manager Directions Credit UnionSenior Consumer Loan Servicing ManagerToledo, OHThis crucial role involves developing effective policies and maintaining excellent communication with Credit Union personnel and customers, ensuring professional relations with all stakeholders. DIRECTIONS CREDIT UNION in Toledo, Ohio is seeking a capable manager to oversee departmental activities and ensure staff efficiency.
Sr. Consumer Loan Specialist - Sales Customer Service Republic Finance LLCSr. Consumer Loan Specialist - Sales Customer ServiceSpringdale, OHYour primary responsibility is to ensure a positive total customer experience while originating consumer loans, completing loan applications, developing strong customer relationships and meeting sales goals. Company-wide, we participate in various philanthropic efforts such as volunteer opportunities, food drives and back to school drives as well as an annual fund raiser for St. Jude Children''s Research Hospital.
Loan Quality Manager - Operations Shared Services WesBanco IncLoan Quality Manager - Operations Shared ServicesOHPossess clear, concise, effective written and oral communication skills to effectively express thoughts, ideas and concepts to management, bank employees and bank customers in a collaborative and solutions-oriented manner. Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.
Loan Service Specialist/Processor I OC Federal Credit UnionLoan Service Specialist/Processor INorth Canton, OhioContinue Monitoring loans post-close to service and process various escrow items, ensuring timely and accurate disbursements, and maintaining insurance and tax tracking records. Prepare loan files for underwriting including all vendor work and payoff information requests from third party vendors and institutions.
NewLoan Support Consultant - Specialty (Asset Backed Finance - Commercial) The PNC Financial Services Group IncLoan Support Consultant - Specialty (Asset Backed Finance - Commercial)OH$52,500–$105,000 / 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.
Customer Service Representative (Loan Consultant II) Lendmark Financial Services LLCCustomer Service Representative (Loan Consultant II)Chillicothe, OHPrepare reports, correspondences, transaction documentation, and record and file documentation; operate cash drawer, process bank deposits, maintain records and balances and closing of the branch. Handle account activities related to collection accounts, including phone calls and face to face communications with customers.
Customer Service Representative (Loan Consultant I) Lendmark Financial Services LLCCustomer Service Representative (Loan Consultant I)OHPrepare reports, correspondences, transaction documentation, and record and file documentation; operate cash drawer, process bank deposits, maintain records and balances and closing of the branch. At Lendmark Financial Services, we believe the success of our company is specifically attributable to the quality of our employees and their commitment to our customers.
Member Service Rep III - Loan Officer - Float Directions Credit UnionMember Service Rep III - Loan Officer - FloatWooster, OhioThe primary purpose of this position is to assist Directions Credit Union to deliver on its mission: to be a strong, growing, member-focused financial partner providing value-added services and developing financial confidence in our members and our communities. To achieve this mission, the position must deliver on our core values: We will be inclusive, community focused, ethical, innovative, and focused on teamwork to help our members succeed .
Loan Support Analyst Sr - Commercial Lending - Asset Backed Finance The PNC Financial Services Group IncLoan Support Analyst Sr - Commercial Lending - Asset Backed FinanceOH$41,250–$82,500 / yearPNC 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. In this role, you will follow up with notices from agent banks, balance general ledgers and proactively manage your portfolio of clients to ensure a smooth client experience for the agent bank and customers.
Assistant, Loans & Credit Operations (Vehicle Finance) Dah Sing Bank LtdAssistant, Loans & Credit Operations (Vehicle Finance)Dublin, OHSupport Dah Sing Bank's Vehicle Finance operations by managing customer servicing and loan processing. This role requires sound communication skills and a focus on delivering efficient, customer-centric solutions.
Loan Support Analyst Sr - Specialty (Commercial) The PNC Financial Services Group IncLoan Support Analyst Sr - Specialty (Commercial)OH$41,250–$75,625 / yearPNC 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. Consulting, Customer Interaction, Decision Making and Critical Thinking, Effective Communications, Financial Analysis, Managing Multiple Priorities, Negotiating, Operational Functions, Products and Services, Relationship Management.
Loan Support Analyst Sr - Specialty The PNC Financial Services Group IncLoan Support Analyst Sr - SpecialtyCincinnati, OH$41,250–$75,625 / yearPNC 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. Consulting, Customer Interaction, Decision Making and Critical Thinking, Effective Communications, Financial Analysis, Managing Multiple Priorities, Negotiating, Operational Functions, Products and Services, Relationship Management.
Loan Accountant AgCreditLoan AccountantKenton, OhioWhat You'll Do: - Responsible for all loan accounting functions including but not limited to booking loans to the loan system, maintaining member and loan data on the loan and member systems, receipt and disbursement processing, calculating loan payoffs, reviewing reports, processing daily transactions and working with lending team members to ensure the accuracy of member data. Our core values focus on relationships, respect, integrity, service, accountability, teamwork and courage for our customers' and employees' success.
Loan Support Analyst Sr - Specialty (Commercial) PNC BankLoan Support Analyst Sr - Specialty (Commercial)Cincinnati, OhioConsulting, Customer Interaction, Decision Making and Critical Thinking, Effective Communications, Financial Analysis, Managing Multiple Priorities, Negotiating, Operational Functions, Products and Services, Relationship Management Work Experience . 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.
Loan Support Analyst Sr - Specialty PNC BankLoan Support Analyst Sr - SpecialtyCincinnati, OhioConsulting, Customer Interaction, Decision Making and Critical Thinking, Effective Communications, Financial Analysis, Managing Multiple Priorities, Negotiating, Operational Functions, Products and Services, Relationship Management Work Experience . 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.
CRE Loan Closing Specialist - Senior Huntington Bancshares IncCRE Loan Closing Specialist - SeniorColumbus, OH$70,000–$140,000 / yearThis position works closely with customers, outside counsel and external consultants, Credit Administration, and Commercial Real Estate partners along with other business segments to deliver outstanding experience to customers and business partners, while carrying out sound risk management practices within a dynamic business development environment. Complex Transactions: Handle intricate and high-value commercial real estate loan transactions, with custom, complex terms and due diligence that involve construction, acquisition, bonds, tax credits, credit derivatives, participations, and syndication transactions etc, demonstrating an advanced understanding of complex financial structures.
Commercial Loan Insurance Specialist US Tech Solutions, Inc.Commercial Loan Insurance SpecialistBrooklyn, OHRemote$20 / hourUnder the direction of the department manager, the person in this position is responsible for acting in the most timely, efficient and responsible manner to protect the interest of the investors pursuant to the mortgages serviced for them. Review, analyze and interpret all types of property and liability insurance policies, operating statements and property appraisals for commercial loans to ensure compliance with the loan documents, investor requirements and internal policies and procedures.
Commercial Loan Administrative Assistant Farmers National Banc Corp.Commercial Loan Administrative AssistantDublin, OHSUMMARY: Under the supervision of the Reporting Managers, this associate is responsible for supporting the Relationship Managers in all phases of the commercial relationship management process, including acquiring and closing new loan originations and renewals, portfolio administration, as well as providing customer service. Respond to and resolve customer and branch service issues, (both loan and deposit), by researching issue and working with appropriate Bank areas to resolve problem.
Remote Mortgage Loan Officer (Ohio) Zillow IncRemote Mortgage Loan Officer (Ohio)OHRemoteThese include the duties and responsibilities listed above, as well as the abilities to adhere to company policies, exercise sound judgment, effectively manage stress and work safely and respectfully with others, exhibit trustworthiness and professionalism, and safeguard business operations and the Company's reputation. Zillow was named one of FORTUNE 100 Best Companies to Work For® in 2025, and included on the PEOPLE Companies That Care® 2025 list, reflecting our commitment to creating an innovative, inclusive, and engaging culture where employees are empowered to grow.
CRE Loan Closing Specialist - Senior Huntington National BankCRE Loan Closing Specialist - SeniorColumbus, OhioThis position works closely with customers, outside counsel and external consultants, Credit Administration, and Commercial Real Estate partners along with other business segments to deliver outstanding experience to customers and business partners, while carrying out sound risk management practices within a dynamic business development environment. Complex Transactions: Handle intricate and high-value commercial real estate loan transactions, with custom, complex terms and due diligence that involve construction, acquisition, bonds, tax credits, credit derivatives, participations, and syndication transactions etc, demonstrating an advanced understanding of complex financial structures.
Loan Support Analyst Sr - Specialty (Commercial EF Tax) The PNC Financial Services Group IncLoan Support Analyst Sr - Specialty (Commercial EF Tax)Cincinnati, OH$41,250–$68,750 / yearAdditional responsibilities include managing tax refund processes received from taxing jurisdictions, researching refund eligibility, creating refund transactions within LeaseWave, clearing refund-related general ledger entries, coordinating with internal cash management teams to facilitate customer reimbursements, and ensuring accurate tracking and documentation of all refund activity. The Loan Support Analyst Sr is responsible for providing operational support for equipment finance property tax and lease administration activities, ensuring the accurate processing of tax-related transactions, customer refunds, and critical mail operations.
Business Banking Loan Assistant Consumers Bancorp IncBusiness Banking Loan AssistantOHSupport ongoing portfolio management by monitoring renewals, annual reviews, maturities, insurance expirations, financial ticklers, and construction draw requests, including follow-up with borrowers as needed. Assist with new loan requests by completing intake steps on the Bank's lending platform and preparing loan write-ups and supporting documentation for Loan Committee review.
CRE Loan Administrator II Huntington Bancshares IncCRE Loan Administrator IIColumbus, OHFirst-line decision makers who will exercise discretion to mitigate issues and questions being elevated to management and keeps Relationship and Portfolio Managers abreast of material changes and risk with construction completion delays, increases to overall construction budget including interest reserve deficiencies and other customer activity. Duties and Responsibilities: Works with Loan Closing Specialists, Relationship and Portfolio Managers, pre- and post-closing, to review construction due diligence, evaluate the plan and cost review, identify and manage potential risk and issues for new construction loans.
Mortgage Loan Originator First Financial Bank NAMortgage Loan OriginatorWorthington, OHThe position will be required to self-source mortgage leads, convert into applications, present personalized mortgage products and solutions to potential customers, produce required disclosures, procure intent to proceed, collect borrower documents needed to satisfy loan conditions, and work with internal departments to ensure a superior customer experience and timely loan closing. As a First Financial Bank (FFB) Mortgage Loan Originator, you will originate mortgage loans sourced through your established referral partners, our retail banking branches, internal departments, and marketing efforts to builders, realtors, and other referral sources.
CRA Mortgage Loan Originator First Financial Bank NACRA Mortgage Loan OriginatorCincinnati, OH$23.56–$26.44 / hourThe position will be required to self-source mortgage leads, convert into applications, present personalized mortgage products and solutions to potential customers, produce required disclosures, procure intent to proceed, collect borrower documents needed to satisfy loan conditions, and work with internal departments to ensure a superior customer experience and timely loan closing. As a First Financial Bank (FFB) CRA Mortgage Loan Originator, you will originate mortgage loans sourced through your established referral partners, community organizations, housing agencies, local business leaders, realtors, and other referral sources.
Mortgage Loan Officer - 180 BPS - 104 Investors - Remote - W-2 or 1099 Tag Lending GroupMortgage Loan Officer - 180 BPS - 104 Investors - Remote - W-2 or 1099Cleveland, OhioRemoteWe're a Non-Delegated Correspondent Wholesale Mortgage Lender with access to 104+ investors , AI-powered technology, dedicated operations, and a proprietary mortgage platform designed to help you grow your business faster. From lead nurturing to borrower updates, our automated workflows keep clients engaged and files moving, allowing MLOs to focus on production, not follow-ups.
Mortgage Loan Officer Howard Hanna Real Estate ServicesMortgage Loan OfficerCanton, OHDUTIES & RESPONSIB LITIES INCLUDE, BUT ARE NOT LIMITED TO: Monitor an existing commercial real estate loan portfolio to ensure proper risk ratings and early identification of potential problems. SUMMARY OF JOB: Responsible for developing new business, underwriting, structuring, and the closing of commercial loans, as well as maintaining and servicing an existing portfolio.
Reverse Mortgage Inside Sales Loan Officer Mutual of Omaha MortgageReverse Mortgage Inside Sales Loan OfficerCincinnati, OHRemoteFull timeAt Mutual of Omaha Reverse Mortgage, Loan Officers are trained to listen and build rapport, in addition to understanding and analyzing the full financial situations of our customers. The Home Equity Conversion Mortgage (HECM) was designed to utilize the equity in the home as a means to assist a peaceful and secure transition to one’s retirement years.