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Mortgage Loan Originator at Sunflower Bank NA
Spokane, Washington, United States - Full Time
Skills Needed
Mortgage Loans, Customer Support, Communication, Independent Judgment, Lending Experience, Cross Selling, Interviewing, Data Collection, Understanding Regulations, Technical Comprehension, Relationship Building, Problem Solving, Flexibility, Integrity, Stress Management
Specialization
Candidates should have a Bachelor's Degree or equivalent experience, with 2+ years of lending experience preferred. Strong communication skills and the ability to work autonomously are essential.
Experience Required
Minimum 2 year(s)
Registered Nurse at Integrated Medical Professionals PLLC
Bethpage, New York, United States - Full Time
Skills Needed
Patient Assessment, Electronic Medical Record, Medication Administration, Patient Care Coordination, Health Education, Continuous Learning, Communication Skills, Empathy, Compassion, Hipaa Compliance, Nursing Care Plans, Clinical Experience, Urology Knowledge, Team Collaboration, Stress Management, Computer Proficiency
Specialization
An RN license and certification are required by the state, along with BLS certification and preferred ACLS certification. Candidates should have 1-2 years of clinical experience, preferably in urology, and must be graduates of an accredited school of nursing.
Regional Senior Credit Administrator at Sunflower Bank NA
Dallas, Texas, United States - Full Time
Skills Needed
Credit Quality, Loan Portfolio Management, Financial Analysis, Communication, Training, Risk Assessment, Legal Documentation, Time Management, Commercial Lending, Real Estate Lending, Agriculture Lending, Portfolio Management, Team Collaboration, Problem Solving, Compliance, Customer Interaction
Specialization
Candidates should have a college degree in Accounting, Business, or Finance, along with significant experience in analyzing complex commercial credits. Management experience in a financial field and proficiency in financial analysis and communication are also required.
Experience Required
Minimum 5 year(s)
Registered Nurse at SB Clinical Practice Management
Riverhead, New York, United States - Full Time
Skills Needed
Patient Care, Clinical Data Collection, Medication Management, Communication Skills, Infection Control, Documentation, Patient Registration, Quality Assurance, Bcls Certification, Acls Certification
Specialization
An Associate's degree in Nursing and current registration as a Licensed Registered Nurse in New York State are required. Excellent communication skills and BCLS certification are also necessary.
Mortgage Loan Originator at Sunflower Bank NA
Plano, Texas, United States - Full Time
Skills Needed
Mortgage Loans, Customer Support, Communication, Independent Judgment, Stress Management, Lending Experience, Cross Selling, Data Collection, Relationship Building, Problem Solving
Specialization
A bachelor's degree or equivalent experience is preferred, along with 2+ years of lending experience. Candidates must demonstrate creativity, integrity, and the ability to work autonomously.
Experience Required
Minimum 2 year(s)
Mortgage Loan Originator at Sunflower Bank NA
Dallas, Texas, United States - Full Time
Skills Needed
Mortgage Loans, Customer Support, Communication, Independent Judgment, Stress Management, Lending Experience, Cross Selling, Data Collection
Specialization
A bachelor's degree or equivalent experience is preferred, along with 2+ years of lending experience. Candidates must demonstrate creativity, integrity, and the ability to work autonomously.
Experience Required
Minimum 2 year(s)
Registered Nurse at Valor Health Care
Columbia, Tennessee, United States - Full Time
Skills Needed
Patient Care, Physical Examinations, Patient Assessment, Triage, Health Education, Collaboration, Customer Service, Computer Skills, Emr Experience, Basic Life Support, Acls Certification, Confidentiality, Compliance, Clinical Outcomes, Outreach Events, Self Management
Specialization
A Bachelor of Science in Nursing (BSN) is required, along with 2-3 years of experience in a primary care or ambulatory care setting. Candidates must also hold a valid nursing license and current certifications in Basic Life Support and ACLS.
Experience Required
Minimum 2 year(s)
Portfolio Manager III at Sunflower Bank NA
Phoenix, Arizona, United States - Full Time
Skills Needed
Credit Analysis, Financial Analysis, Commercial Lending, Risk Management, Cash Flow Analysis, Financial Reporting, Communication Skills, Problem Solving, Team Collaboration, Regulatory Compliance, Microsoft Office Suite, Interpersonal Skills, Customer Service, Analytical Skills, Time Management, Business Math Skills
Specialization
Candidates should have a Bachelor's Degree in a relevant field or equivalent experience of 10+ years. A minimum of 7 years in credit analysis or portfolio management in a commercial lending environment is required.
Experience Required
Minimum 5 year(s)
Registered Nurse at Lifepoint Health
Etowah, Tennessee, United States - Full Time
Skills Needed
Patient Care, Assessment, Care Plan Development, Medication Administration, Documentation, Patient Monitoring, Collaboration, Patient Education, Advocacy
Specialization
Applicants must have a current Tennessee Registered Nurse license and Basic Life Support certification at the time of hire. Experience in long-term care is preferred but not explicitly required.
Registered Nurse at Workday
Mont Clare, Pennsylvania, United States - Full Time
Skills Needed
Time Management, Organizational Skills, Communication Skills, Problem Solving, Compassion, Flexibility, Positive Approach, Team Collaboration
Specialization
Candidates must have a recognized tertiary qualification and be a current full Registered Nurse with AHPRA. Additionally, a demonstrated record of achievement in Residential Aged Care and current vaccinations are required.
Experience Required
Minimum 2 year(s)
Registered Nurse at Mia Aesthetics - Atlanta
Chicago, Illinois, United States - Full Time
Skills Needed
Patient Care, Surgical Care, Monitoring, Documentation, Collaboration, Emergency Response, Patient Education, Inventory Management, Hipaa Compliance, Bilingual, Acls Certification, Bls Certification, Nursing Care, Postoperative Care, Coordination, Problem Solving
Specialization
Candidates must have an associate or bachelor's degree from an accredited nursing school and hold an active Registered Nurse License. A minimum of 1 year of PACU experience is required, and bilingual skills in English and Spanish are preferred.
Experience Required
Minimum 2 year(s)
Portfolio Manager III at Sunflower Bank NA
Greenwood Village, Colorado, United States - Full Time
Skills Needed
Credit Analysis, Portfolio Management, Financial Statements, Cash Flow Analysis, Commercial Lending, Communication Skills, Analytical Skills, Problem Solving, Microsoft Office Suite, Interpersonal Skills, Customer Service, Regulatory Compliance, Team Collaboration, Time Management, Attention To Detail, Industry Knowledge
Specialization
Candidates should have a Bachelor's Degree in a relevant field or equivalent experience of 10+ years. A minimum of 7 years in credit analysis or portfolio management in a commercial lending environment is required.
Experience Required
Minimum 5 year(s)
Registered Nurse at Heartland Hospice
West Branch, Michigan, United States - Full Time
Skills Needed
Compassionate Care, Patient Education, Clinical Decision Making, Medication Administration, Wound Care, Patient Assessments, Care Coordination, Communication Skills, Organizational Skills, Home Health Care, Safety Precautions, Self Care Techniques, Quality Initiatives, Clinical Documentation, Team Collaboration, Transportation
Specialization
Candidates must have an active RN license and at least 1 year of high acuity nursing experience. A compassionate approach to care and strong organizational and communication skills are essential.
Experience Required
Minimum 2 year(s)
Transporter at GENTIVA CERTIFIED HEALTHCARE CORP DBA KINDRED
Columbus, Georgia, United States - Full Time
Skills Needed
Communication, Interpersonal Skills, Customer Service, Transport Equipment Operation, Safety Protocols, Physical Stamina, Time Management, Dependability, Professionalism, Calm Demeanor, Basic Computer Proficiency, Documentation Skills
Specialization
A high school diploma or equivalent is required, along with Basic Life Support (BLS) certification. Previous experience in a hospital or healthcare setting is preferred.
Industry 4.0 Co-Founder / CFO (100 % remote) (m/f/d) at EWOR GmbH
Louisville, Kentucky, United States - Full Time
Skills Needed
Entrepreneurship, Startup Management, Communication Skills, Product Market Fit, Sales Force Building, Marketing, Coaching, Team Building, Funding, Industry 4.0
Specialization
You are based in Europe or the Americas or open to relocate. You have excellent communication skills in the English language and are willing to take full responsibility for your own startup.
Working Student - Travel and Expense at Bosch Group
Timișoara, , Romania - Full Time
Skills Needed
Expense Claim Validation, Backoffice Activities, Email Processing, Internal Documentation Maintenance, Procedure Application, Credit Card Activity, Communication Skills, Team Player, Structured Work, Social Media Affinity, German Language, French Language, Medium Computer Skills
Specialization
Candidates should have a university diploma or high school diploma and be currently enrolled in university. Proficiency in English is required, and knowledge of German and/or French is a plus.
Outdoor Plant Nursery/Yard Customer Service and Labor - Full-time, Year-Rou at Wilson Farm Inc
Lexington, Massachusetts, United States - Full Time
Skills Needed
Customer Service, Plant Care, Retail Experience, Physical Labor, Product Selection, Display Arrangement, Reliability, Punctuality, Strong Work Ethic, Friendly Personality
Specialization
Knowledge of plants and their care is essential, along with prior experience in retail greenhouse or garden shop settings. A reliable and friendly personality is also important.
Cultivation Associate at Curaleaf
Litchfield, Illinois, United States - Full Time
Skills Needed
Plant Care, Trimming, Pruning, Harvesting, Data Entry, Cleaning, Sanitation, Attention To Detail, Teamwork, Horticulture, Agriculture, Weights And Measurements, Cloning, Curing, Monitoring Conditions, Compliance
Specialization
Candidates should have a passion for working with plants and experience in harvesting. Attention to detail and the ability to work in a fast-paced team environment are essential.
Constituency Engagement Coordinator at City of Philadelphia
Philadelphia, Pennsylvania, United States - Full Time
Skills Needed
Community Engagement Practices, Constituency Specific Issues, Government Operations, Administrative Skills, Organizational Skills, Written Communication, Verbal Communication, Digital Literacy, Event Coordination, Multitasking, Time Management, Relationship Building, Problem Solving
Specialization
Candidates should have a bachelor's degree in a related field and 2-3 years of experience in administrative support or community engagement. Cultural competency and the ability to work occasional evenings or weekends for events are also required.
Experience Required
Minimum 2 year(s)
Patient Care Coordinator at LC SERVICES 1 LLC
Raleigh, North Carolina, United States - Full Time
Skills Needed
Communication Skills, Organizational Skills, Multi Tasking, Team Player, Dental Practice Management Software, Patient Care, Billing Inquiries, Appointment Scheduling, Referrals Management, Schedule Preparation
Specialization
Candidates should possess excellent communication skills and strong organizational abilities. Previous experience in a dental or medical office is preferred.
Mortgage Loan Originator at Sunflower Bank NA
Spokane, Washington, United States -
Full Time

Start Date

Immediate

Expiry Date

21 Jan, 26

Salary

0.0

Posted On

23 Oct, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

No

Skills

Mortgage Loans, Customer Support, Communication, Independent Judgment, Lending Experience, Cross-selling, Interviewing, Data Collection, Understanding Regulations, Technical Comprehension, Relationship Building, Problem Solving, Flexibility, Integrity, Stress Management

Industry

Banking

Description
Description At Sunflower Bank, we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service financial institution, we offer a full range of relationship-focused services to meet personal, business, and wealth-management financial objectives. Creating Possibility is not just our mission, it’s what we do every day for clients and associates. Learn more about Sunflower Bank at sunflowerbank.com. Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the position of full-time Mortgage Loan Originator. Washington state minimum wage plus commission/incentive pay. Details of the commission/incentive plan will be presented at time of offer. Description: Individuals will be required to develop leads and originate mortgage loans through branches, realtors, and builders, and respond to referrals from branch personnel and others. Additionally, candidates should have an understanding of the mortgage regulations and processes as well as other bank products and services in order to deepen relationships with customers. Applicants must be able to effectively communicate both verbally and written, exercise independent judgment and comprehend complex instructions, technical and financial materials and forms related to assigned duties. The MLO must meet production standards developed by management. Responsibilities: Develop, lead and originate mortgage loans through branches, realtors and builders. Interview mortgage loan applicants. Take loan applications from customers. Send applicant’s file to processors in the centralized loan support area. Respond to referrals from branch personnel and others. Assist in obtaining additional data or information when requested by processors. Cross-sell all bank products and services. Education / Experience Preferred: Bachelor’s Degree in a related field or equivalent experience, MBA or Master's Degree preferred. 2+ years of lending experience preferred. Creativity, flexibility, integrity, and a commitment to customer support are essential. Must be able to work autonomously exercising considerable independent judgment. Must be able to maintain composure in stressful situations. Must be able to work flexible hours. Pay is dependent on knowledge, skills, abilities, experience, and location. Sunflower Bank Benefits People choose to “bank” with us, but for those we serve, we’re more than a bank. We strive to be the financial backbone of their lives, and we know that starts with our team. Our supportive culture empowers team members to grow and seize new opportunities. Like our namesake, the sunflower, we are: Rooted in Strength Propelled by Growth Individuals in a Great Whole Creating Possibility Community Focused Associates enjoy outstanding benefits, including: 401(k) Plan with 6% Match Health/Dental/Vision Insurance Company-paid Life Insurance Tuition Reimbursement Fitness Reimbursement Paid Time Off Volunteer Leave Paid Holidays Plus many more associate perks & incentives! If you qualify, apply online at www.sunflowerbank.com/careers. You’ve never worked anyplace like Sunflower Bank! EOE/AA: Minorities/Females/Disabled/Vets We accept applications on an ongoing basis until the role is filled. There is no fixed deadline to apply. If you are a California resident, you may be entitled to certain rights regarding your personal information, which is information that identifies, relates to, or could reasonably be linked with a particular California resident or household. Additional information about our data collection practices and location specific notices is available on our privacy policy.
Responsibilities
The Mortgage Loan Originator will develop leads and originate mortgage loans through various channels, including branches, realtors, and builders. They will also interview applicants, take loan applications, and assist in obtaining additional data as needed.
Mortgage Loan Originator at Sunflower Bank NA
Spokane, Washington, United States - Full Time
Skills Needed
Mortgage Loans, Customer Support, Communication, Independent Judgment, Lending Experience, Cross Selling, Interviewing, Data Collection, Understanding Regulations, Technical Comprehension, Relationship Building, Problem Solving, Flexibility, Integrity, Stress Management
Specialization
Candidates should have a Bachelor's Degree or equivalent experience, with 2+ years of lending experience preferred. Strong communication skills and the ability to work autonomously are essential.
Experience Required
Minimum 2 year(s)
Registered Nurse at Integrated Medical Professionals PLLC
Bethpage, New York, United States - Full Time
Skills Needed
Patient Assessment, Electronic Medical Record, Medication Administration, Patient Care Coordination, Health Education, Continuous Learning, Communication Skills, Empathy, Compassion, Hipaa Compliance, Nursing Care Plans, Clinical Experience, Urology Knowledge, Team Collaboration, Stress Management, Computer Proficiency
Specialization
An RN license and certification are required by the state, along with BLS certification and preferred ACLS certification. Candidates should have 1-2 years of clinical experience, preferably in urology, and must be graduates of an accredited school of nursing.
Regional Senior Credit Administrator at Sunflower Bank NA
Dallas, Texas, United States - Full Time
Skills Needed
Credit Quality, Loan Portfolio Management, Financial Analysis, Communication, Training, Risk Assessment, Legal Documentation, Time Management, Commercial Lending, Real Estate Lending, Agriculture Lending, Portfolio Management, Team Collaboration, Problem Solving, Compliance, Customer Interaction
Specialization
Candidates should have a college degree in Accounting, Business, or Finance, along with significant experience in analyzing complex commercial credits. Management experience in a financial field and proficiency in financial analysis and communication are also required.
Experience Required
Minimum 5 year(s)
Registered Nurse at SB Clinical Practice Management
Riverhead, New York, United States - Full Time
Skills Needed
Patient Care, Clinical Data Collection, Medication Management, Communication Skills, Infection Control, Documentation, Patient Registration, Quality Assurance, Bcls Certification, Acls Certification
Specialization
An Associate's degree in Nursing and current registration as a Licensed Registered Nurse in New York State are required. Excellent communication skills and BCLS certification are also necessary.
Mortgage Loan Originator at Sunflower Bank NA
Plano, Texas, United States - Full Time
Skills Needed
Mortgage Loans, Customer Support, Communication, Independent Judgment, Stress Management, Lending Experience, Cross Selling, Data Collection, Relationship Building, Problem Solving
Specialization
A bachelor's degree or equivalent experience is preferred, along with 2+ years of lending experience. Candidates must demonstrate creativity, integrity, and the ability to work autonomously.
Experience Required
Minimum 2 year(s)
Mortgage Loan Originator at Sunflower Bank NA
Dallas, Texas, United States - Full Time
Skills Needed
Mortgage Loans, Customer Support, Communication, Independent Judgment, Stress Management, Lending Experience, Cross Selling, Data Collection
Specialization
A bachelor's degree or equivalent experience is preferred, along with 2+ years of lending experience. Candidates must demonstrate creativity, integrity, and the ability to work autonomously.
Experience Required
Minimum 2 year(s)
Registered Nurse at Valor Health Care
Columbia, Tennessee, United States - Full Time
Skills Needed
Patient Care, Physical Examinations, Patient Assessment, Triage, Health Education, Collaboration, Customer Service, Computer Skills, Emr Experience, Basic Life Support, Acls Certification, Confidentiality, Compliance, Clinical Outcomes, Outreach Events, Self Management
Specialization
A Bachelor of Science in Nursing (BSN) is required, along with 2-3 years of experience in a primary care or ambulatory care setting. Candidates must also hold a valid nursing license and current certifications in Basic Life Support and ACLS.
Experience Required
Minimum 2 year(s)
Portfolio Manager III at Sunflower Bank NA
Phoenix, Arizona, United States - Full Time
Skills Needed
Credit Analysis, Financial Analysis, Commercial Lending, Risk Management, Cash Flow Analysis, Financial Reporting, Communication Skills, Problem Solving, Team Collaboration, Regulatory Compliance, Microsoft Office Suite, Interpersonal Skills, Customer Service, Analytical Skills, Time Management, Business Math Skills
Specialization
Candidates should have a Bachelor's Degree in a relevant field or equivalent experience of 10+ years. A minimum of 7 years in credit analysis or portfolio management in a commercial lending environment is required.
Experience Required
Minimum 5 year(s)
Registered Nurse at Lifepoint Health
Etowah, Tennessee, United States - Full Time
Skills Needed
Patient Care, Assessment, Care Plan Development, Medication Administration, Documentation, Patient Monitoring, Collaboration, Patient Education, Advocacy
Specialization
Applicants must have a current Tennessee Registered Nurse license and Basic Life Support certification at the time of hire. Experience in long-term care is preferred but not explicitly required.
Registered Nurse at Workday
Mont Clare, Pennsylvania, United States - Full Time
Skills Needed
Time Management, Organizational Skills, Communication Skills, Problem Solving, Compassion, Flexibility, Positive Approach, Team Collaboration
Specialization
Candidates must have a recognized tertiary qualification and be a current full Registered Nurse with AHPRA. Additionally, a demonstrated record of achievement in Residential Aged Care and current vaccinations are required.
Experience Required
Minimum 2 year(s)
Registered Nurse at Mia Aesthetics - Atlanta
Chicago, Illinois, United States - Full Time
Skills Needed
Patient Care, Surgical Care, Monitoring, Documentation, Collaboration, Emergency Response, Patient Education, Inventory Management, Hipaa Compliance, Bilingual, Acls Certification, Bls Certification, Nursing Care, Postoperative Care, Coordination, Problem Solving
Specialization
Candidates must have an associate or bachelor's degree from an accredited nursing school and hold an active Registered Nurse License. A minimum of 1 year of PACU experience is required, and bilingual skills in English and Spanish are preferred.
Experience Required
Minimum 2 year(s)
Portfolio Manager III at Sunflower Bank NA
Greenwood Village, Colorado, United States - Full Time
Skills Needed
Credit Analysis, Portfolio Management, Financial Statements, Cash Flow Analysis, Commercial Lending, Communication Skills, Analytical Skills, Problem Solving, Microsoft Office Suite, Interpersonal Skills, Customer Service, Regulatory Compliance, Team Collaboration, Time Management, Attention To Detail, Industry Knowledge
Specialization
Candidates should have a Bachelor's Degree in a relevant field or equivalent experience of 10+ years. A minimum of 7 years in credit analysis or portfolio management in a commercial lending environment is required.
Experience Required
Minimum 5 year(s)
Registered Nurse at Heartland Hospice
West Branch, Michigan, United States - Full Time
Skills Needed
Compassionate Care, Patient Education, Clinical Decision Making, Medication Administration, Wound Care, Patient Assessments, Care Coordination, Communication Skills, Organizational Skills, Home Health Care, Safety Precautions, Self Care Techniques, Quality Initiatives, Clinical Documentation, Team Collaboration, Transportation
Specialization
Candidates must have an active RN license and at least 1 year of high acuity nursing experience. A compassionate approach to care and strong organizational and communication skills are essential.
Experience Required
Minimum 2 year(s)
Transporter at GENTIVA CERTIFIED HEALTHCARE CORP DBA KINDRED
Columbus, Georgia, United States - Full Time
Skills Needed
Communication, Interpersonal Skills, Customer Service, Transport Equipment Operation, Safety Protocols, Physical Stamina, Time Management, Dependability, Professionalism, Calm Demeanor, Basic Computer Proficiency, Documentation Skills
Specialization
A high school diploma or equivalent is required, along with Basic Life Support (BLS) certification. Previous experience in a hospital or healthcare setting is preferred.
Industry 4.0 Co-Founder / CFO (100 % remote) (m/f/d) at EWOR GmbH
Louisville, Kentucky, United States - Full Time
Skills Needed
Entrepreneurship, Startup Management, Communication Skills, Product Market Fit, Sales Force Building, Marketing, Coaching, Team Building, Funding, Industry 4.0
Specialization
You are based in Europe or the Americas or open to relocate. You have excellent communication skills in the English language and are willing to take full responsibility for your own startup.
Working Student - Travel and Expense at Bosch Group
Timișoara, , Romania - Full Time
Skills Needed
Expense Claim Validation, Backoffice Activities, Email Processing, Internal Documentation Maintenance, Procedure Application, Credit Card Activity, Communication Skills, Team Player, Structured Work, Social Media Affinity, German Language, French Language, Medium Computer Skills
Specialization
Candidates should have a university diploma or high school diploma and be currently enrolled in university. Proficiency in English is required, and knowledge of German and/or French is a plus.
Outdoor Plant Nursery/Yard Customer Service and Labor - Full-time, Year-Rou at Wilson Farm Inc
Lexington, Massachusetts, United States - Full Time
Skills Needed
Customer Service, Plant Care, Retail Experience, Physical Labor, Product Selection, Display Arrangement, Reliability, Punctuality, Strong Work Ethic, Friendly Personality
Specialization
Knowledge of plants and their care is essential, along with prior experience in retail greenhouse or garden shop settings. A reliable and friendly personality is also important.
Cultivation Associate at Curaleaf
Litchfield, Illinois, United States - Full Time
Skills Needed
Plant Care, Trimming, Pruning, Harvesting, Data Entry, Cleaning, Sanitation, Attention To Detail, Teamwork, Horticulture, Agriculture, Weights And Measurements, Cloning, Curing, Monitoring Conditions, Compliance
Specialization
Candidates should have a passion for working with plants and experience in harvesting. Attention to detail and the ability to work in a fast-paced team environment are essential.
Constituency Engagement Coordinator at City of Philadelphia
Philadelphia, Pennsylvania, United States - Full Time
Skills Needed
Community Engagement Practices, Constituency Specific Issues, Government Operations, Administrative Skills, Organizational Skills, Written Communication, Verbal Communication, Digital Literacy, Event Coordination, Multitasking, Time Management, Relationship Building, Problem Solving
Specialization
Candidates should have a bachelor's degree in a related field and 2-3 years of experience in administrative support or community engagement. Cultural competency and the ability to work occasional evenings or weekends for events are also required.
Experience Required
Minimum 2 year(s)
Patient Care Coordinator at LC SERVICES 1 LLC
Raleigh, North Carolina, United States - Full Time
Skills Needed
Communication Skills, Organizational Skills, Multi Tasking, Team Player, Dental Practice Management Software, Patient Care, Billing Inquiries, Appointment Scheduling, Referrals Management, Schedule Preparation
Specialization
Candidates should possess excellent communication skills and strong organizational abilities. Previous experience in a dental or medical office is preferred.