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.
Mortgage Loan Processor JobotMortgage Loan ProcessorCleveland, 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.
Underwriting Counsel -Hybrid First American Financial CorpUnderwriting Counsel -HybridCleveland, OHAs a member of First American's family of companies, National Commercial Services provides single-point service for simple to multi-property/multi-state national commercial real estate transactions. If you excel in collaborating with others to assess possibilities and discover solutions, it may be time to combine your analytical rigor with a premier brand in the commercial real estate space.
Business Analyst I, Underwriting Amtrust Financial Services IncBusiness Analyst I, UnderwritingCleveland, OHThe Business Analyst I - Underwriting supports underwriting operations by analyzing business processes, gathering requirements, and assisting in the development and implementation of solutions that improve efficiency, accuracy, and profitability. Salaries are based upon a wide range of factors considered in making the compensation decision, including, but not limited to, candidate skills, experience, education and training, the scope and responsibilities of the role, as well as market and business considerations.
NewCredit Associate (Primarily Underwriting Small Business Administration Guaranteed Loans) KeyCorpCredit Associate (Primarily Underwriting Small Business Administration Guaranteed Loans)Brooklyn, OH$63,000–$96,000 / yearBGPM is responsible for underwriting new loan opportunities and managing a portfolio of loans in the following industry and business segments: Energy, Leveraged Finance, Healthcare, Asset Based Lending, Diversified, Middle Market (including Agribusiness), Business Banking, Private Banking, Small Business and SBA. General Office - Prolonged sitting, ability to communicate face to face in person or on the phone with teammates and clients, frequent use of PC/laptop, occasional lifting/pushing/pulling of backpacks, computer bags up to 10 lbs.
Senior Underwriting Consultant Manulife Financial CorpSenior Underwriting ConsultantOHRemote$92,475–$160,290 / yearManulife/John Hancock offers eligible employees a wide array of customizable benefits, including health, dental, mental health, vision, short- and long-term disability, life and AD&D insurance coverage, adoption/surrogacy and wellness benefits, and employee/family assistance plans. We strive to attract, develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals.
Underwriting Assistant I Amtrust Financial Services IncUnderwriting Assistant ICleveland, OH$13–$23 / hourSalaries are based upon a wide range of factors considered in making the compensation decision, including, but not limited to, candidate skills, experience, education and training, the scope and responsibilities of the role, as well as market and business considerations. AmTrust values excellence and recognizes that by embracing the diverse backgrounds, skills, and perspectives of its workforce, it will sustain a competitive advantage and remain an employer of choice.
Underwriting Administration Specialist Medical MutualUnderwriting Administration SpecialistCleveland, OhioUnder general supervision, supports health insurance sales and underwriting teams with administration of new and existing accounts in one or more of the following assigned market segments: large or small group, individual, government programs. Reviews and processes new submissions for all channels within the Small Group Market Segments, ACA Individual, Medicare Supplement and Short-Term Individual policies for completeness and compliance with underwriting regulatory requirements/laws, if applicable.
VP & Residential Underwriting Manager - Mortgage Underwriting WesBanco IncVP & Residential Underwriting Manager - Mortgage UnderwritingIndependence, OHRetail Credit officer reviewing the Underwriting team's loan productivity, quality loan review, loan product exceptions and other management functions. OTHER REQUIREMENTS: Banking is a highly regulated industry and you will be expected to acquire and maintain a proficiency in the Bank's policies and procedures, and adhere to all laws, rules and regulations that are applicable to your conduct and the work you will be performing.
Group Underwriting Consultant Elevance Health IncGroup Underwriting ConsultantOH$93,896–$153,648 / yearAnticipated End Date: 2026-05-09 Position Title: Group Underwriting Consultant Job Description: Group Underwriting Consultant Location: This role requires associates to be in-office 1-2 days per week, fostering collaboration and connectivity, while providing flexibility to support productivity and work-life balance. The ideal candidate will be adept at underwriting analysis with a creative approach to help us grow the commercial division For candidates working in person or virtually in the below location(s), the salary range for this specific position is $93,896 to $153,648.
Insurance Underwriting Business Analyst Deloitte Touche Tohmatsu LtdInsurance Underwriting Business AnalystOH$128,000–$252,500 / yearAs a Senior Consultant, Strategy, Growth and Transformation on the Insurance Solutions team, you will be responsible for advising clients on commercial and specialty insurance underwriting and policy transformation, operating model design, and business process modernization. Our purpose comes through in our work with clients that enables impact and value in their organizations, as well as through our own investments, commitments, and actions across areas that help drive positive outcomes for our communities.
Manager, Group Underwriting Operations Medical MutualManager, Group Underwriting OperationsCleveland, OhioCollaborates with other departments including sales/service, actuarial, finance, legal, internal audit, provider contracting, and care management to ensure appropriate coordination of elements impacting pricing are properly recognized. Manages the Underwriting Operations department which supports the large group underwriting units that prepare new business prospect quotes and renewals for existing business.
NewUnderwriting Professional Development Program, Inland Marine - October 2026 The Travelers Companies IncUnderwriting Professional Development Program, Inland Marine - October 2026Independence, OH$60,800–$100,300 / yearAnalytical Thinking/Financial Acumen: Identifies current or future problems or opportunities, analyzes, synthesizes and compares information to understand issues, identifies cause/effect relationships and explores alternative solutions to support sound decision making. Educational background/ coursework in Business Administration/ Management, Finance/Accounting, Economics, Mathematics/Science, Sales/Marketing/Communications.
Underwriting Analyst - FHA KeyCorpUnderwriting Analyst - FHACleveland, OH$69,000–$105,000 / yearPrevious working experience in the commercial real estate permanent lending industry specific experience working with CMBS, Life Insurance lending programs, Fannie Mae DUS, Freddie Mac Program, FHA a plus. Consistently identify and assess transaction risks and appropriately document in accordance with credit approval and elevate any issues which appear to be deviating from such to assist in properly managing portfolio risks.
Associate Director - Life Underwriting Corebridge Financial IncAssociate Director - Life UnderwritingOH$118,000–$128,000 / yearWe align to a set of Values that are the core pillars that define our culture and help bring our brand purpose to life: • We are stronger as one: We collaborate across the enterprise, scale what works and act decisively for our customers and partners. Underwriting team members interact frequently with our customers and therefore the role requires a customer centric and relationship focused attitude, excellent communication skills as well as accountability for accurate and prompt processing.
Underwriting Auditor Amtrust Financial Services IncUnderwriting AuditorOH$58,500–$85,000 / yearCollaborate on strategies to advance Amtrust's value proposition in target industries, including providing content for marketing materials in partnership with Marketing and Product Strategy to advance brand presence and industry specialization, where appropriate. Key focus areas include cross‑sell opportunities, system navigation, AmTrust capabilities, pipeline quality, LOB‑specific appetite guidance, and digital training resources.
Underwriting Professional Development Program, Inland Marine - October 2026 TravelersUnderwriting Professional Development Program, Inland Marine - October 2026Cleveland, OhioAnalytical Thinking/Financial Acumen: Identifies current or future problems or opportunities, analyzes, synthesizes and compares information to understand issues, identifies cause/effect relationships and explores alternative solutions to support sound decision making. Educational background/ coursework in Business Administration/ Management, Finance/Accounting, Economics, Mathematics/Science, Sales/Marketing/Communications.
Underwriting Trainee National Interstate CorporationUnderwriting TraineeRichfield, OhioOur steadfast focus on developing niche expertise in product design, loss control and claim services has made National Interstate one of the most respected names in commercial transportation insurance today. Our offerings include traditional insurance and innovative alternative risk transfer (ART) programs, including more than a dozen group captive programs catering to niche wheels markets.
Commercial Underwriting Manager (Remote/Hybrid in the US) First American Financial CorpCommercial Underwriting Manager (Remote/Hybrid in the US)OHRemoteCommercial Underwriting Manager (Remote/Hybrid in the US) at First American Financial Corporation.
Underwriter III- Real Estate Banking The PNC Financial Services Group IncUnderwriter III- Real Estate BankingCleveland, OH$67,500–$172,500 / yearThe Entity Finance Underwriter is responsible for performing comprehensive credit underwriting and portfolio management across complex entity-level real estate transactions, including private and institutional real estate funds, homebuilders, real estate operating companies (REOCs), and subscription/capital call facilities. Accuracy and Attention to Detail, Coaching Others, Credit Analysis and Verification, Decision Making and Critical Thinking, Knowledge of Underwriting, Managing Multiple Priorities, Market Research, Real Estate Development, Real Estate Practice, Real Estate Property Data Analysis, Real Estate Sales Closings and Agreements, Regulatory Environment - Financial Services.
Senior Underwriter-Analyst PEMCO Mutual Insurance CompanySenior Underwriter-AnalystOH$105,762–$129,264 / yearAnalytical and data-driven: Thinks analytically; a structured thinker who can put complex ideas into clear frameworks; uses data to conduct root cause analysis and develops high quality, consumable, and consistent metrics that drive strategic objectives and priorities. Maintain an underwriting territory, reviewing individual risks and aggregate trends and working with agents as needed for book quality; provide relationship-oriented service to customers, colleagues and stakeholders, including direct contact with customers.
Captives Underwriter The Hartford Insurance Group IncCaptives UnderwriterOH$124,000–$199,800 / yearThe Captives Underwriter does not have any direct reports but is the client manager and is responsible for influencing internal and external partners to achieve positive program results. Location: This role will have a Hybrid Work arrangement, with the expectation of working in one of the listed office locations three days a week (Tuesday through Thursday).
NewUnderwriter III - Commercial The PNC Financial Services Group IncUnderwriter III - CommercialOH$86,250–$143,750 / 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.
Renwal Non Profit Underwriter Amtrust Financial Services IncRenwal Non Profit UnderwriterCleveland, OHDevelop and maintain strong business relationships with agents representing nonprofit organizations, including food banks, homeless shelters, group homes, home health care agencies, religious organizations, and daycare facilities. AmTrust values excellence and recognizes that by embracing the diverse backgrounds, skills, and perspectives of its workforce, it will sustain a competitive advantage and remain an employer of choice.
New Business Non Profit Underwriter Amtrust Financial Services IncNew Business Non Profit UnderwriterCleveland, OH$66,900–$85,000 / yearAnalyze exposures to loss, adequate premium charge for exposures, and proper endorsements and exclusions with the highest level of technical expertise and accuracy, Achieve team/individual production and loss ratio goals with assigned agents / brokers using sound underwriting principles. Foster positive business relationships with agents of nonprofit organizations such as food banks, homeless shelters, group homes, home health care agencies, religious organizations, and day cares.
Commercial Field Underwriter - Northeast Ohio Hastings Mutual Insurance CompanyCommercial Field Underwriter - Northeast OhioCleveland, OHYou'll serve as Hastings' in-person representative in the region, providing guidance, collaboration, and underwriting expertise to help drive profitability and growth in respect to our Middle Market Commercial products. We invest in technology, strengthen partnerships with independent agents, and continuously refine our products to meet the evolving needs of today's customers.
NewUnderwriter I Amtrust Financial Services IncUnderwriter ICleveland, OH$53,300–$75,000 / yearThis role will have exposure to all facets of underwriting such as monitoring underwriting tasks in our system, completing endorsements within assigned authority, assigning work out to appropriate contact in departments, and handling smaller renewals based on assigned letter of authority for multiple lines of business. Salaries are based upon a wide range of factors considered in making the compensation decision, including, but not limited to, candidate skills, experience, education and training, the scope and responsibilities of the role, as well as market and business considerations.
Commercial Lines Underwriter H.W. Kaufman Financial Group, Inc.Commercial Lines UnderwriterOHBurns & Wilcox offers wide ranging and comprehensive solutions to serve retail insurance brokers and agents of all sizes, from the large houses to the more than 30,000 independent brokers and agents worldwide. Rate, quote and bind each risk to determine acceptability, coverage, and pricing for large or complex renewals as well as new business.
Vice President, Chief Underwriter Medical MutualVice President, Chief UnderwriterCleveland, OhioServes as a strategic partner to commercial, individual, stop-loss, and related product teams to support market competitiveness, profitable membership growth, product modernization, broker/employer value, and territory or segment expansion. Partners with Actuarial, Finance, Product, Sales, and business leaders to monitor experience, identify emerging risk, evaluate corrective actions, and ensure pricing and underwriting decisions support sustainable financial performance.
Field Underwriter (WFH) Spieldenner Financial GroupField Underwriter (WFH)Mentor, OHRemoteSpieldenner Financial Group is expanding and looking for driven, self-starting individuals who want to build a meaningful career while helping families protect what matters most—their income. Your level of success will depend on factors including your effort, ability to follow training and systems, engagement with leads, and client needs in your area.
Commercial Specialty Auto Underwriter RLI CorpCommercial Specialty Auto UnderwriterBroadview Heights, OH$77,025–$109,145 / yearThis approach rises from and is supported by our talented, ethical and smart team of employee owners united around a single purpose: to work alongside our customers and partners when they need us, in unexpected ways, with exceptional results. Our goal is to attract, develop and retain the best employee talent from diverse backgrounds while promoting an environment where all viewpoints are valued and individuals feel respected, are treated fairly, and have an opportunity to excel in their chosen careers.
Underwriter II EmergeUnderwriter IIIndependence, OHReport Analysis: Run required reports, including Hazard Hub, ISO, and Lexus Nexus, as part of the underwriting process. This role combines digital tools with traditional underwriting expertise to deliver exceptional service in a fast-paced environment.
Sr. Boiler & Machinery Underwriter, Account Executive Officer The Travelers Companies IncSr. Boiler & Machinery Underwriter, Account Executive OfficerCleveland, OH$104,000–$171,700 / yearBoiler & Machinery specializes in equipment breakdown coverage for a wide variety of machines, including air conditioning and refrigeration equipment, computers, production machinery, telecommunications equipment, and smart devices. Foster and maintain relationships with external partners by regularly meeting in person with agents and brokers to market and sell Travelers products with a goal of writing and retaining accounts consistent with our risk appetite.
Account Executive Officer/Sr. Underwriter, National Accounts The Travelers Companies IncAccount Executive Officer/Sr. Underwriter, National AccountsIndependence, OHFoster and maintain relationships with external partners by regularly meeting in person with agents, brokers, and customers to market and sell Travelers products with a goal of writing and retaining accounts consistent with our risk appetite. • Strong critical thinking skills with the ability to proactively identify underwriting, marketing, or financial challenges and analyze available information to make timely decisions in alignment with our risk appetite.
Loan Processor CrossCountry Mortgage LLCLoan ProcessorCleveland, OHPrepare a loan approval summary, Forms 1008 and 1003, and ensure the accuracy of all the information printed on the documents; communicate directly with the Loan Originator, customer, and Underwriter to obtain initial and any missing documentation required to qualify for the loan. Prepare a loan approval summary, Forms 1008 and 1003, and ensure the accuracy of all the information printed on the documents; communicate directly with the Loan Originator, customer, and Underwriter to obtain initial and any missing documentation required to qualify for the loan.
Sr. Corporate Loan Processor (On-site) CrossCountry Mortgage LLCSr. Corporate Loan Processor (On-site)Cleveland, OHCorporate Loan Processor is responsible for obtaining and verifying necessary documentation for underwriting the loan file and communicating directly with the customer and/or Loan Officer to obtain documentation for final loan approval. CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 9,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico.
Mortgage Loan Originator; BR 30 Texana Bank, N.A.Mortgage Loan Originator; BR 30Cleveland, OhioThe Mortgage Loan Originator is responsible for originating residential mortgage loans by developing client relationships, assessing borrower needs, and guiding applicants through the loan process. This role plays a vital part in maintaining high levels of customer satisfaction and ensuring compliance with all internal policies and applicable regulations.
Mortgage Loan Closer Howard Hanna Real Estate ServicesMortgage Loan CloserCleveland, OHCommunicate regularly with loan officers, processors, underwriters, and other stakeholders to resolve issues and ensure timely closings. In this role, you will be responsible for preparing, reviewing, and ensuring the timely and accurate closing of residential mortgage loans.
Credit Underwriter I-II and Senior Bank of America CorpCredit Underwriter I-II and SeniorCleveland, OH$70,000–$162,500 / yearResponsibilities:Manages a portfolio of clients supporting underwriting and/or monitoring requirements with limited to moderate complexityIndependently works with Relationship Management, and Risk teammates to understand structuring needs and requirementsDelivers financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision-making processReviews work of junior teammates to provide feedback/coaching and ensure compliance with laws, rules, regulations and policy procedureHas credit approval for certain credit actionsLeads loan structure conversations and completion of loan documentation with internal/external legal partnersSkills:Attention to DetailCredit and Risk AssessmentFinancial AnalysisUnderwritingWritten CommunicationsAnalytical ThinkingCredit Documentation RequirementsFinancial Forecasting and ModelingRecording/Organizing InformationBusiness AcumenCollaborationCollateral ManagementLoan StructuringPrioritizationRequired Qualifications:· 5+ years of solid experience in Commercial Banking Underwriting (Middle Market or Large Corporate or Leveraged Finance) performing financial analysis, structuring, and portfolio management· Strong communication and analytical/technical skills, including financial accounting, modeling and loan structuring. Be knowledgeable of the closing process & timeline for all types of loans (i.e. real estate, revolvers, etc.)· BA/BS DesiredShift:1st shift (United States of America)Hours Per Week: 40 Learn more about this role Apply × To proceed with your application, you must be at least 18 years of age.
Senior Underwriter, Commercial Insurance Specialty Chubb LtdSenior Underwriter, Commercial Insurance SpecialtyOH$100,000–$165,000 / yearStrong sales and marketing skills are critical; must be able to demonstrate successful agency and broker management, including building, maintaining and managing producer and customer relationships. The company is distinguished by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength, underwriting excellence, superior claims handling expertise and local operations globally.
Credit Associate (Commercial Credit Underwriter- 1 million to 10 million committments) KeyCorpCredit Associate (Commercial Credit Underwriter- 1 million to 10 million committments)OH$63,000–$96,000 / yearGeneral Office - Prolonged sitting, ability to communicate face to face in person or on the phone with teammates and clients, frequent use of PC/laptop, occasional lifting/pushing/pulling of backpacks, computer bags up to 10 lbs. Analyze credit data, financial statements (cash flow, balance sheet, income statements), and tax returns (both personal and business) to determine creditworthiness and the degree of risk involved in extending credit or lending.
Construction Surety Underwriter The Hartford Insurance Group IncConstruction Surety UnderwriterOH$93,600–$169,200 / yearAs a Construction Surety Underwriter at The Hartford, your primary role will be to support all Construction Surety lines of business strategies by marketing and underwriting business in partnership with field office specialists. They're at the center of everything we do - and by joining us, you'll be on a team known throughout the industry for providing our customers with just the right amount of coverage they need to pursue their unique interests.
Credit Risk Review Advisor - Commercial Lending The PNC Financial Services Group IncCredit Risk Review Advisor - Commercial LendingCleveland, OH$87,500–$202,800 / 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 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.
Multi State Commercial Title Examiner (Remote) First American Financial CorpMulti State Commercial Title Examiner (Remote)OHRemoteFirst American reasonably believes that a criminal history may have a direct, adverse and negative relationship with the following material job duties for this position potentially resulting in the withdrawal of the conditional offer of employment: handling of confidential, proprietary or trade secret information belonging to First American or its customers, administrating or facilitating financial transactions, and the ability to meet customer-imposed criminal history requirements. First American's National Production Services division provides global title and escrow production support across all channels within First American Title including the Mortgage Services, Commercial, Direct, and Agency divisions.
NewSVP Application Development Howden Group Holdings LtdSVP Application DevelopmentOHThe SVP owns the strategy and execution of mission-critical platforms, including Passport (Digital Portal), Unified Rating Platform (URP), and InsuranceNow (Personal Lines PAS) reimagining how technology enables speed to market, flexibility, and competitive advantage. We are united by a shared passion and no-limits mindset, and our strength lies in our ability to collaborate as a powerful international team comprised of 24,000 employees spanning over 56 countries.
Senior Product Analyst National Interstate CorporationSenior Product AnalystRichfield, OhioCompletion of or continuing progress toward a professional designation preferred, including Associate in Underwriting (AU), Chartered Property Casualty Underwriter (CPCU), Certified Insurance Counselor (CIC), Program in General Insurance (INS), Associate of Risk Management (ARM), Certified Licensing Professional (CLP) or other applicable designations. Our steadfast focus on developing niche expertise in product design, loss control and claim services has made National Interstate one of the most respected names in commercial transportation insurance today.
Business Banking Underwriter 3 First National Bank Of PennsylvaniaBusiness Banking Underwriter 3Cleveland, OhioResearch available data including internet sources and subscription-based utilities as available and summarizes information regarding current and projected status of certain industries and borrowers of Bank services along with general economic trends and conditions according to the availability of research data to aid in the quality of lending decisions. Develops a personal program for maintaining an adequate level of knowledge in banking matters, compliance, credit analysis, policies and procedures and personal skills and demonstrates interpersonal behavior, attitude, judgment, communication and initiative with customers and employees to ensure an acceptable degree of performance.
NewExecutive Benefits Advanced Case Design Consultant Manulife Financial CorpExecutive Benefits Advanced Case Design ConsultantOHRemote$92,475–$160,290 / yearSupport the design and development of executive benefit solutions, including Nonqualified Deferred Compensation (NQDC), Supplemental Executive Retirement Plans (SERPs), Restricted Executive Bonus Arrangements (REBA), and split-dollar arrangements. Manulife/John Hancock offers eligible employees a wide array of customizable benefits, including health, dental, mental health, vision, short- and long-term disability, life and AD&D insurance coverage, adoption/surrogacy and wellness benefits, and employee/family assistance plans.
National Accounts Strategic Underwriter Elevance Health IncNational Accounts Strategic UnderwriterOH$103,120–$170,148 / yearMinimum Requirements: Requires a BA/BS in Finance, Actuarial Science, Business, or related field; Minimum of 7 years in large group insurance underwriting, actuarial analysis, or strategic finance. We are a Fortune 25 company with a longstanding history in the healthcare industry, looking for leaders at all levels of the organization who are passionate about making an impact on our members and the communities we serve.
Construction Surety Underwriter The HartfordConstruction Surety UnderwriterIndependence, OhioAs a Construction Surety Underwriter at The Hartford, your primary role will be to support all Construction Surety lines of business strategies by marketing and underwriting business in partnership with field office specialists. They’re at the center of everything we do – and by joining us, you’ll be on a team known throughout the industry for providing our customers with just the right amount of coverage they need to pursue their unique interests.