NewMortgage Banker - Team Lead - Michigan TrueFinancialMortgage Banker - Team Lead - MichiganSouthfield, MichiganOver $180,000 On-Target Earnings (OTE) : Uncapped, aggressive commission structure built for top producers. We are seeking experienced, licensed Mortgage Loan Officers for our high-volume call center.
Mortgage Banker Mixed Staffing and RecruitingMortgage BankerGrand Rapids, MichiganThis position requires expertise in home financing solutions, regulatory compliance, and strong networking skills to generate leads and build relationships within the community. Our goal is to foster a collaborative and diverse workforce where dedication and initiative drive excellence in achieving our organizational objectives.
Mortgage Banker AD MortgageMortgage BankerTroy$50,000–$0Engage with potential partners provided by the team to support business development efforts; Handle partners inquiries and requests, follow up with them; Manage partners refinance, purchase, or investment inquiries; Learn and apply effective relationship-building strategies under the guidance of senior team members; Contribute to team goals while developing your individual skills and expertise in the mortgage industry. Excellent communication and interpersonal skills (written and verbal); Strong work ethic and a proactive approach to learning; Ability to work effectively both independently and as part of a team; A positive attitude and a willingness to embrace new challenges; Associate's degree (required) or 0-2 years of professional experience.
Mortgage Retail Banker Nicolet National BankMortgage Retail BankerTraverse City, MichiganUphold Nicolet’s philosophy and policies by maintaining appropriate controls to ensure full compliance with applicable laws and regulations, thereby fulfilling legal responsibilities and enhancing the quality of services provided by Nicolet. Provide customer services on assigned accounts, opening new accounts, and answering questions concerning deposit accounts, loans, statements, etc.
Mortgage Banker FreeStar Financial Credit UnionMortgage BankerSterling Heights, MIFull timeAnalyze member mortgage applications including reviewing and analyzing credit, suggesting best mortgage product based on member's needs and financial goals, gathers financial data, obtain information from member to resolve discrepancies such as late payment history, judgments, etc., and communicate loan decisions. The primary purpose of the Real Estate Lending Originator is to interview residential mortgage loan applicants for new purchase, refinance, and Home Equity loans while determining the loan product that will best meet their needs.
Mortgage Loan Officer Mercantile BankMortgage Loan OfficerTroy, MIDeliver Excellence: Work with a dedicated team of bankers, credit analysts, treasury management specialists, and governmental bankers to provide mortgage solutions that not only meet but exceed customer expectations. As a Mortgage Loan Officer, you'll hold a vital revenue-generating role that drives our success and helps clients achieve their American dream of homeownership.
Mortgage Servicing Post Sale Specialist AD MortgageMortgage Servicing Post Sale SpecialistTroyThe Post Sale Specialist is responsible for managing mortgage loans after foreclosure sale through final resolution, including title transfer, claims processing, conveyance, and REO transition. This role ensures all post-sale activities are completed accurately, timely, and in compliance with investor, insurer, and regulatory requirements.
Mortgage Foreclosure Specialist AD MortgageMortgage Foreclosure SpecialistTroyThe specialist partners with foreclosure counsel, vendors, and internal departments to mitigate losses and ensure accurate, efficient case progression. Review accounts for proper default servicing steps prior to foreclosure referral (e.g., loss mitigation, borrower outreach, regulatory notices).
NewSr. Mortgage Underwriter Dart Financial CorpSr. Mortgage UnderwriterLansing, MIDart Bank provides innovative financial services for both personal and business banking, consumer and mortgage loans, commercial loans and lines of credit, merchant credit card processing, investment services and more. If E Verify cannot confirm that you are authorized to work, this employer is required to give you written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) so that you can begin to resolve the issue before this employer can take any action against you, including terminating your employment.
Mortgage Industry Representative – Independent Sales Representative Halo ProgramsMortgage Industry Representative – Independent Sales RepresentativeWalled Lake, MIRemote$5,000–$15,000 / yearWe're seeking experienced Mortgage Industry Representatives who already work directly with Banks, Credit Unions, and Independent Mortgage Bankers at the leadership or executive level. MortgageHalo is transforming how mortgage lenders manage client engagement, automate marketing, stay connected with borrowers, and support long-term relationship retention.
Private Client Banker - Orchard Lake and Pontiac Trail- Orchard Lake, MI JPMorgan Chase & CoPrivate Client Banker - Orchard Lake and Pontiac Trail- Orchard Lake, MIMIBeginning Oct. 1, 2018, if you are not currently registered, the Securities Industry Essential (SIE) exam, FINRA Series 6/7, state registration (including 63 or 66 if required) and Life licenses are required - or must be successfully completed within 180 days of starting the role. You have a passion for taking care of our customers and employees and making them feel welcomed and valued by building lasting relationships, doing the right thing, exceeding expectations and having a strong commitment to diversity and inclusion.
Private Client Banker - Brighton Grand River- Brighton, MI JPMorgan Chase & CoPrivate Client Banker - Brighton Grand River- Brighton, MIBrighton, MIBeginning Oct. 1, 2018, if you are not currently registered, the Securities Industry Essential (SIE) exam, FINRA Series 6/7, state registration (including 63 or 66 if required) and Life licenses are required - or must be successfully completed within 180 days of starting the role. You have a passion for taking care of our customers and employees and making them feel welcomed and valued by building lasting relationships, doing the right thing, exceeding expectations and having a strong commitment to diversity and inclusion.
Associate Banker Innovation MortgageAssociate BankerFarmington Hills, MI$16–$19You've worked in retail, hospitality, real estate, insurance, car sales, or any customer-facing role and you're ready for something with a real ceiling-breaker income. Innovation Mortgage is a fast-growing brokerage in Farmington Hills, MI, and we're building our next generation of Loan Officers from the ground up.
Citizens Banker Citizens Financial Group IncCitizens BankerSouth Lyon, MI$25.48–$31.25 / hourMeaningful work & relationships - You'll help customers with important financial decisions that impact their lives like building a business, buying a house, paying for school or helping them realize their long-term financial goals. You'll get to know customers' personal financial goals and recommend tailored solutions to help achieve them - like planning for the future, buying a home or opening a new credit card.
Mortgage Loan Officer Community 1 LendingMortgage Loan OfficerDetroit, MIFull timeThis role is ideal for an experienced NMLS-licensed Loan Officer who thrives in a supportive, in-office environment, values strong earning potential, and wants access to a steady pipeline of qualified mortgage leads in an active housing market. We are expanding our mortgage team and looking for a high-performing Licensed Mortgage Loan Officer (MLO) / Mortgage Originator / Residential Loan Officer to join us in our Troy, MI office, serving clients throughout Detroit and Metro Detroit.
Personal Banker Full-Time Float Teller - Ann Arbor Bank MichiganPersonal Banker Full-Time Float Teller - Ann ArborAnn Arbor, MIFull timePromotes and explains other financial institution services such as consumer and mortgage loans, IRAs, certificates of deposit, safe deposit boxes, traveler's checks and money orders. Receives checks and cash for deposits to accounts, verifies amounts, examines checks for proper endorsement, and enters deposits into computer records.
NewUniversal Banker (Mason) Dart Financial CorpUniversal Banker (Mason)Mason, MIThe Universal Banker is responsible for providing exceptional customer service by performing teller transactions, opening and maintaining consumer accounts, and identifying customer needs to recommend appropriate banking products and services. Dart Bank provides innovative financial services for both personal and business banking, consumer and mortgage loans, commercial loans and lines of credit, merchant credit card processing, investment services and more.
Private Client Banker- Birmingham- Birmingham MI JPMorgan Chase Bank, N.A.Private Client Banker- Birmingham- Birmingham MIBirmingham, MIFull timeBeginning Oct. 1, 2018, if you are not currently registered, the Securities Industry Essential (SIE) exam, FINRA Series 6/7, state registration (including 63 or 66 if required) and Life licenses are required - or must be successfully completed within 180 days of starting the role. You have a passion for taking care of our customers and employees and making them feel welcomed and valued by building lasting relationships, doing the right thing, exceeding expectations and having a strong commitment to diversity and inclusion.
Regional Banker/Teller The PNC Financial Services Group IncRegional Banker/TellerFarmington Hills, MIDrives proactive sales conversations through internal and outbound interactions with a defined sales process including outbound calling, service to sales, teller interactions, appointment setting and effective lobby engagement, ultimately elevating client loyalty. 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.
Personal Banker The PNC Financial Services Group IncPersonal BankerAllen Park, MIDrives proactive sales conversations through internal and outbound interactions with a defined sales process including outbound calling, service to sales, teller interactions, appointment setting and effective lobby engagement, ultimately elevating client loyalty. 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.
Premier Client Banker - PNC Wealth Management The PNC Financial Services Group IncPremier Client Banker - PNC Wealth ManagementGrand Rapids, MIPNC 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 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.
Relationship Banker Business Specialist The PNC Financial Services Group IncRelationship Banker Business SpecialistSouthfield, MIProactive lead management and referral generation--Leverages experience and acquired knowledge of bank products and services and positions appropriately to grow share of wallet and attract new consumer and business households. 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.
Personal Banker PNCPersonal BankerUnion Lake, MIPreferred Skills** Accountability, Banking, Client Loyalty, Customer Experience (CX), Customer Service, Identifying Opportunities, Leveraging Technology, Proactive Sales **Competencies** Banking Products, Digital Awareness, Effective Communications, Managing Multiple Priorities, Matrix Management, Problem Solving, Prospecting., + Drives proactive sales conversations through internal and outbound interactions with a defined sales process including outbound calling, service to sales, teller interactions, appointment setting and effective lobby engagement, ultimately elevating client loyalty.
Senior Banker, Income Property Group KeyCorpSenior Banker, Income Property GroupDetroit, MI$128,000–$268,000 / yearExcellent business development skills Deep knowledge of bank products Outstanding credit skills, analytical skills, and financial acumen Excellent communication, listening, and interpersonal savvy - able to build rapport and effectively communicate at multiple levels within the client organization and with COIs and internal partners Idea generator Able to develop and stand up for their point of view Demonstrates strong bias for action Proactive, intuitive thinker (knows how things will work before all the facts are in) Business acumen beyond financial acumen. 10+ years of real estate lending experience, including through a real estate downcycle (required) A proven understanding of the importance of balancing business development and asset quality/risk management (required) Demonstrated ability to work effectively on a team to maximize the skills and capabilities of all team members to both deliver comprehensive solutions to our clients and achieve team's financial and risk management goals (required).
Commercial Banker Independent Bank Corp (Michigan)Commercial BankerEast Lansing, MIAbout the Job: Join Independent Bank as a Commercial Banker to originate and service secured commercial loans - with a focus on Commercial & Industrial (C&I) and Commercial Real Estate (CRE) lending - and help advance our mission of inspiring financial independence today with tomorrow in mind! At Independent Bank we promote a culture that encourages professional growth and embraces the collective sum of your individual differences, life experiences, knowledge, innovation, self-expression, unique capabilities and talent.
Commercial Banker Independent Bank CorporationCommercial BankerEast Lansing, MIPart timeJoin Independent Bank as a Commercial Banker to originate and service secured commercial loans — with a focus on Commercial & Industrial ( C&I ) and Commercial Real Estate ( CRE ) lending — and help advance our mission of inspiring financial independence today with tomorrow in mind! At Independent Bank we promote a culture that encourages professional growth and embraces the collective sum of your individual differences, life experiences, knowledge, innovation, self-expression, unique capabilities and talent.
Relationship Banker Commercial Bank, MichiganRelationship BankerGreenville, MIThe Relationship Banker is responsible for assisting all customers with new and existing depository accounts, personal lending, and transactional needs; cross selling products and services to customers. Maintains product knowledge for all of Commercial Bank's products and services and the procedures for selling, opening, and servicing those products and services related to deposits and consumer lending.
Personal Banker PNC BankPersonal BankerJackson, MichiganDrives proactive sales conversations through internal and outbound interactions with a defined sales process including outbound calling, service to sales, teller interactions, appointment setting and effective lobby engagement, ultimately elevating client loyalty. 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.
Regional Banker/Teller PNC BankRegional Banker/TellerFarmington Hills, MichiganDrives proactive sales conversations through internal and outbound interactions with a defined sales process including outbound calling, service to sales, teller interactions, appointment setting and effective lobby engagement, ultimately elevating client loyalty. 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.
Relationship Banker Business Specialist PNC BankRelationship Banker Business SpecialistBerkley, MichiganProactive lead management and referral generation--Leverages experience and acquired knowledge of bank products and services and positions appropriately to grow share of wallet and attract new consumer and business households. 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.
Premier Client Banker - PNC Wealth Management PNC BankPremier Client Banker - PNC Wealth ManagementGrand Rapids, MichiganPNC 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 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.
Float Personal Banker 1 - Southwest MI Region Fifth Third BancorpFloat Personal Banker 1 - Southwest MI RegionMIThe Personal Banker I maintains focus on acquiring new households and/or deepening existing customer relationships through a variety of activities, including but not limited to lobby leadership (Financial Centers) or aisle time (Bank Marts) and tele-consulting. Primarily focused on cross-selling to existing customer base and engaging in outside sales activities (i.e. Membership Advantage onsite presentations, business sales calls, community financial literacy events, etc.) as directed.
Personal Banker Associate I Fifth Third BancorpPersonal Banker Associate IGrand Rapids, MIThe Personal Banker I maintains focus on acquiring new households and/or deepening existing customer relationships through a variety of activities, including but not limited to lobby leadership (Financial Centers) or aisle time (Bank Marts) and tele-consulting. Base Salary: 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.
Branch Banker Mercantile Bank CorpBranch BankerMIDepending on the level you are in, your responsibilities can also range from efficiently processing routine financial transactions for our customers such as deposits, withdrawals, checks, and loan payments to opening bank accounts for individuals and businesses to being the ''go to'' banker for your customers where you ask questions and listen for cues to be able to provide banking (and possibly lending) solutions that meet their unique needs. Familiarity with or the ability to learn banking software and tools is crucial as you will efficiently process routine financial transactions like deposits and withdrawals, manage cash drawers, and ensure compliance with security protocols.
Personal Banker Associate I (Michigan-Central) Fifth Third BancorpPersonal Banker Associate I (Michigan-Central)Detroit, MIThe Personal Banker I maintains focus on acquiring new households and/or deepening existing customer relationships through a variety of activities, including but not limited to lobby leadership (Financial Centers) or aisle time (Bank Marts) and tele-consulting. Primarily focused on cross-selling to existing customer base and engaging in outside sales activities (i.e. Membership Advantage onsite presentations, business sales calls, community financial literacy events, etc.) as directed.
Personal Banker Associate I (Melvindale) Fifth Third BancorpPersonal Banker Associate I (Melvindale)MIThe Personal Banker I maintains focus on acquiring new households and/or deepening existing customer relationships through a variety of activities, including but not limited to lobby leadership (Financial Centers) or aisle time (Bank Marts) and tele-consulting. Primarily focused on cross-selling to existing customer base and engaging in outside sales activities (i.e. Membership Advantage onsite presentations, business sales calls, community financial literacy events, etc.) as directed.
Personal Banker Associate I (Telegraph-Lehigh) Fifth Third BancorpPersonal Banker Associate I (Telegraph-Lehigh)Dearborn, MIThe Personal Banker I maintains focus on acquiring new households and/or deepening existing customer relationships through a variety of activities, including but not limited to lobby leadership (Financial Centers) or aisle time (Bank Marts) and tele-consulting. Primarily focused on cross-selling to existing customer base and engaging in outside sales activities (i.e. Membership Advantage onsite presentations, business sales calls, community financial literacy events, etc.) as directed.
Personal Banker Associate I - Penobscot Building Fifth Third BancorpPersonal Banker Associate I - Penobscot BuildingDetroit, MIThe Personal Banker I maintains focus on acquiring new households and/or deepening existing customer relationships through a variety of activities, including but not limited to lobby leadership (Financial Centers) or aisle time (Bank Marts) and tele-consulting. Primarily focused on cross-selling to existing customer base and engaging in outside sales activities (i.e. Membership Advantage onsite presentations, business sales calls, community financial literacy events, etc.) as directed.
Personal Banker Associate I (Lyon Township) Fifth Third BancorpPersonal Banker Associate I (Lyon Township)Wixom, MIThe Personal Banker I maintains focus on acquiring new households and/or deepening existing customer relationships through a variety of activities, including but not limited to lobby leadership (Financial Centers) or aisle time (Bank Marts) and tele-consulting. Primarily focused on cross-selling to existing customer base and engaging in outside sales activities (i.e. Membership Advantage onsite presentations, business sales calls, community financial literacy events, etc.) as directed.
Personal Banker Associate I - Groesbeck-Twelve Mile Fifth Third BancorpPersonal Banker Associate I - Groesbeck-Twelve MileRoseville, MIThe Personal Banker I maintains focus on acquiring new households and/or deepening existing customer relationships through a variety of activities, including but not limited to lobby leadership (Financial Centers) or aisle time (Bank Marts) and tele-consulting. Primarily focused on cross-selling to existing customer base and engaging in outside sales activities (i.e. Membership Advantage onsite presentations, business sales calls, community financial literacy events, etc.) as directed.
Personal Banker Associate I (Eight Mile Farmington) Fifth Third BancorpPersonal Banker Associate I (Eight Mile Farmington)Farmington Hills, MIThe Personal Banker I maintains focus on acquiring new households and/or deepening existing customer relationships through a variety of activities, including but not limited to lobby leadership (Financial Centers) or aisle time (Bank Marts) and tele-consulting. Primarily focused on cross-selling to existing customer base and engaging in outside sales activities (i.e. Membership Advantage onsite presentations, business sales calls, community financial literacy events, etc.) as directed.
Personal Banker Associate I (Michigan-American) Fifth Third BancorpPersonal Banker Associate I (Michigan-American)Dearborn, MIThe Personal Banker I maintains focus on acquiring new households and/or deepening existing customer relationships through a variety of activities, including but not limited to lobby leadership (Financial Centers) or aisle time (Bank Marts) and tele-consulting. Primarily focused on cross-selling to existing customer base and engaging in outside sales activities (i.e. Membership Advantage onsite presentations, business sales calls, community financial literacy events, etc.) as directed.
Personal Banker Associate I (Plymouth-Nixon) Fifth Third BancorpPersonal Banker Associate I (Plymouth-Nixon)Ann Arbor, MIThe Personal Banker I maintains focus on acquiring new households and/or deepening existing customer relationships through a variety of activities, including but not limited to lobby leadership (Financial Centers) or aisle time (Bank Marts) and tele-consulting. Primarily focused on cross-selling to existing customer base and engaging in outside sales activities (i.e. Membership Advantage onsite presentations, business sales calls, community financial literacy events, etc.) as directed.
Personal Banker Associate I (Eureka-Pardee) Fifth Third BancorpPersonal Banker Associate I (Eureka-Pardee)Taylor, MIThe Personal Banker I maintains focus on acquiring new households and/or deepening existing customer relationships through a variety of activities, including but not limited to lobby leadership (Financial Centers) or aisle time (Bank Marts) and tele-consulting. Primarily focused on cross-selling to existing customer base and engaging in outside sales activities (i.e. Membership Advantage onsite presentations, business sales calls, community financial literacy events, etc.) as directed.
Personal Banker Associate I - 15 Mile Schoenherr Fifth Third BancorpPersonal Banker Associate I - 15 Mile SchoenherrSterling Heights, MIThe Personal Banker I maintains focus on acquiring new households and/or deepening existing customer relationships through a variety of activities, including but not limited to lobby leadership (Financial Centers) or aisle time (Bank Marts) and tele-consulting. Primarily focused on cross-selling to existing customer base and engaging in outside sales activities (i.e. Membership Advantage onsite presentations, business sales calls, community financial literacy events, etc.) as directed.
Personal Banker Associate I - Garfield Metropolitan Pkwy Fifth Third BancorpPersonal Banker Associate I - Garfield Metropolitan PkwyClinton Township, MIThe Personal Banker I maintains focus on acquiring new households and/or deepening existing customer relationships through a variety of activities, including but not limited to lobby leadership (Financial Centers) or aisle time (Bank Marts) and tele-consulting. Primarily focused on cross-selling to existing customer base and engaging in outside sales activities (i.e. Membership Advantage onsite presentations, business sales calls, community financial literacy events, etc.) as directed.
Personal Banker Associate I - Fifteen Mile-Schoenherr Fifth Third BancorpPersonal Banker Associate I - Fifteen Mile-SchoenherrSterling Heights, MIThe Personal Banker I maintains focus on acquiring new households and/or deepening existing customer relationships through a variety of activities, including but not limited to lobby leadership (Financial Centers) or aisle time (Bank Marts) and tele-consulting. Primarily focused on cross-selling to existing customer base and engaging in outside sales activities (i.e. Membership Advantage onsite presentations, business sales calls, community financial literacy events, etc.) as directed.
Personal Banker Associate I - I/75 and Baldwin Fifth Third BancorpPersonal Banker Associate I - I/75 and BaldwinAuburn Hills, MIThe Personal Banker I maintains focus on acquiring new households and/or deepening existing customer relationships through a variety of activities, including but not limited to lobby leadership (Financial Centers) or aisle time (Bank Marts) and tele-consulting. Primarily focused on cross-selling to existing customer base and engaging in outside sales activities (i.e. Membership Advantage onsite presentations, business sales calls, community financial literacy events, etc.) as directed.
Personal Banker Associate I - Mack-Lochmoor Fifth Third BancorpPersonal Banker Associate I - Mack-LochmoorGrosse Pointe, MIThe Personal Banker I maintains focus on acquiring new households and/or deepening existing customer relationships through a variety of activities, including but not limited to lobby leadership (Financial Centers) or aisle time (Bank Marts) and tele-consulting. Primarily focused on cross-selling to existing customer base and engaging in outside sales activities (i.e. Membership Advantage onsite presentations, business sales calls, community financial literacy events, etc.) as directed.
Personal Banker Associate I - Livernois-Lyndon Fifth Third BancorpPersonal Banker Associate I - Livernois-LyndonDetroit, MIThe Personal Banker I maintains focus on acquiring new households and/or deepening existing customer relationships through a variety of activities, including but not limited to lobby leadership (Financial Centers) or aisle time (Bank Marts) and tele-consulting. Primarily focused on cross-selling to existing customer base and engaging in outside sales activities (i.e. Membership Advantage onsite presentations, business sales calls, community financial literacy events, etc.) as directed.