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Business Banking Manager at Westpac Group
Sydney, New South Wales, Australia - Full Time
Skills Needed
Business Banking, Lending, Credit Risk, Compliance, Relationship Management, Networking, Sales, Customer Service, Portfolio Management, Sme Lending
Specialization
Requires proven experience in business banking with solid lending knowledge and a good understanding of credit risk and compliance. Candidates must demonstrate the ability to build client relationships and proactively target new business.
Experience Required
Minimum 5 year(s)
IT Business Partner (SG) at Great Eastern Life Assurance Co Ltd
Cuenca, Azuay, Ecuador - Full Time
Skills Needed
Stakeholder Management, It Strategy, Business Analysis, Insurance Domain Knowledge, Digital Transformation, Conflict Management, Negotiation, Problem Solving, Analytical Skills, Presentation Skills, Storytelling, Relationship Management, Ai Awareness, Data Driven Technologies, Requirement Translation, It Governance
Specialization
Candidates should have experience in insurance or consulting and a degree in IT, Business, or a related field. Strong communication, analytical skills, and awareness of AI/data-driven technologies are required.
Experience Required
Minimum 5 year(s)
Finance Business Partner at Chromalox (UK) Limited
Nova Milanese, Lombardy, Italy - Full Time
Skills Needed
Financial Analysis, Budgeting, Forecasting, Working Capital Management, Strategic Decision Support, Governance, Internal Control, Statutory Audit Coordination, Cost Benefit Analysis, Business Performance Monitoring, Asset Management
Specialization
The ideal candidate should possess strong analytical skills and the ability to interpret business performance effectively. A focus on financial governance and strategic investment support is essential for this role.
Experience Required
Minimum 5 year(s)
Business Banking Manager at Westpac Group
Melbourne, Victoria, Australia - Full Time
Skills Needed
Business Banking, Lending Knowledge, Credit Risk, Compliance, Relationship Management, Sales, Networking, Client Relationship Building, Business Development
Specialization
Requires proven experience in business banking with solid lending knowledge and an understanding of credit risk and compliance. Candidates must demonstrate the ability to build strong client relationships and target new business opportunities.
Experience Required
Minimum 2 year(s)
Finance Business Partner at mSupply
St. Louis, Missouri, United States - Full Time
Skills Needed
Financial Modeling, Financial Analysis, Strategic Planning, Budgeting, Forecasting, Data Visualization, Power Bi, Tableau, Erp Systems, Epicor, Advanced Excel, Market Research, Competitive Analysis, Variance Analysis, Roi Analysis, Ai Enabled Tools
Specialization
Candidates must hold a bachelor's degree in a relevant field and possess at least 5 years of experience in financial analysis or corporate strategy. Proficiency in financial modeling, advanced Excel, and data visualization tools is required, along with strong communication skills.
Experience Required
Minimum 5 year(s)
Finance Business Partner at Culina Group
Appleton, England, United Kingdom - Full Time
Skills Needed
Financial Planning, Business Partnering, Financial Analysis, Logistics Finance, Stakeholder Management
Specialization
The posting does not list specific technical requirements or qualifications. It seeks candidates who align with the company's inclusive culture and are looking for career development in logistics.
Experience Required
Minimum 2 year(s)
Franchise Business Coach at Homefront Brands
Huntersville, North Carolina, United States - Full Time
Skills Needed
Franchise Operations, Business Coaching, Multi Unit Management, P&L Management, Kpi Tracking, Strategic Planning, Operational Excellence, Sales Growth, Cost Control, Service Delivery, Training, Performance Analysis, Communication, Analytical Skills, Relationship Building
Specialization
Candidates must have proven experience in franchise operations, business coaching, or multi-unit management, ideally within the home services or construction industries. Strong analytical capabilities, P&L management skills, and the ability to travel up to 35% of the time are required.
Experience Required
Minimum 5 year(s)
Business Studies Teacher at Elevate
Beijing, Beijing, China - Full Time
Skills Needed
Business Studies, Curriculum Development, Lesson Planning, Assessment Design, Student Monitoring, Communication Skills, Tutoring, Classroom Management, Dp Curriculum, Igcse, A Level
Specialization
Candidates must hold a bachelor's degree or higher and a teaching certificate. At least two years of teaching experience and familiarity with DP or Cambridge curricula are required.
Experience Required
Minimum 2 year(s)
Business Project Manager at Playtech
Sofia, Sofia-City, Bulgaria - Full Time
Skills Needed
Project Management, Stakeholder Management, Agile, Kanban, Waterfall, Risk Mitigation, Data Analysis, Process Documentation, Analytical Thinking, Problem Solving, Multitasking, English Communication, Jira, Monday.Com, Microsoft Office Suite, Copilot
Specialization
Requires proficiency in project management methodologies like Agile and Waterfall and excellent English communication skills. Experience in data analysis and process documentation is essential, with PMP or PRINCE2 certifications being a plus.
Experience Required
Minimum 2 year(s)
Business Project Manager at Playtech
Tallinn, , Estonia - Full Time
Skills Needed
Project Management, Pmo Practices, Project Governance, Jira, Monday, Confluence, Stakeholder Management, Risk Management, Time Management, Communication, Reporting, Software Product Development, Regulated Markets, Technical Coordination, Data Quality Management
Specialization
Candidates must have at least 2 years of experience in IT project management, preferably in an international environment. Proficiency in project management tools like Jira and Monday, along with strong organizational and communication skills, is required.
Experience Required
Minimum 2 year(s)
Finance Business Partner at Insights Learning & Development Ltd
Dundee, Scotland, United Kingdom - Full Time
Skills Needed
Financial Business Partnering, Strategic Planning, Financial Modelling, Scenario Analysis, Commercial Acumen, Stakeholder Management, Data Analytics, Power Bi, Budgeting, Forecasting, Roi Analysis, Investment Appraisal, Kpi Development, Change Management, Communication, Financial Reporting
Specialization
A professional accountancy qualification (CIMA, ACCA, ICAS or equivalent) is preferred along with a proven track record of strategic financial partnering. Candidates must possess strong commercial acumen, advanced financial modelling skills, and the ability to influence senior stakeholders.
Experience Required
Minimum 5 year(s)
Business Support Officer at Lancashire County Council
Fleetwood, England, United Kingdom - Full Time
Skills Needed
Administration, Microsoft Office, Database Management, Communication, Customer Service, Interpersonal Skills
Specialization
Candidates should have experience in an administrative setting and proficiency with Microsoft packages and databases. Strong communication skills are required to engage with managers, social workers, and the public.
Experience Required
Minimum 2 year(s)
HR - HR Business Partner at Jam
Baie-D'Urfé, Quebec, Canada - Full Time
Skills Needed
Employee Relations, Performance Management, Compliance, Conflict Resolution, Hr Operations, Payroll Administration, Corrective Action, Policy Application, Workforce Initiatives, Professionalism, Communication Skills, Investigation Management
Specialization
Candidates must have proven HR generalist experience in an on-site operational environment, preferably within a warehouse setting. Strong knowledge of HR fundamentals, employment laws, and conflict resolution skills are required.
Experience Required
Minimum 2 year(s)
Finance Business Partner at CSC
London, England, United Kingdom - Full Time
Skills Needed
Financial Analysis, Budgeting, Forecasting, Cost Control, Risk Management, Strategic Thinking, Communication, Presentation Skills, Analytical Skills, Interpersonal Skills, Financial Modelling, Microsoft Excel, Erp Systems, Problem Solving, Collaboration, Process Improvement
Specialization
Candidates should have a bachelor's degree in Finance, Accounting, Economics, or a related field, with an MBA preferred. Professional qualifications and proven experience in a similar role within a large global organization are also required.
Experience Required
Minimum 5 year(s)
Finance Business Partner at Aussie Broadband
Melbourne, Victoria, Australia - Full Time
Skills Needed
Financial Planning, Financial Analysis, Performance Review, Three Way Financial Modeling, Advanced Excel, Budgeting, Forecasting, Performance Analysis, Strategic Decision Making, Communication Skills, Stakeholder Management, Market Analysis, Investor Analysis, Business Case Development, Data Driven Decision Making, Financial Reporting
Specialization
Candidates must hold a CA or CPA qualification or equivalent and possess advanced Excel skills with experience in complex financial modeling. Strong communication skills and the ability to interpret analytical outputs for non-financial stakeholders are essential for this role.
Experience Required
Minimum 5 year(s)
Finance Business Partner at Omexom UK
Leeds, England, United Kingdom - Full Time
Skills Needed
Financial Reporting, Management Accounts, Budgeting, Financial Analysis, Reconciliation, Vat Compliance, Credit Control, Internal Control, Data Mining, Commercial Awareness, Communication Skills, Time Management, Project Management, Audit Support, Forecasting
Specialization
Candidates must hold a CIMA, ACCA, or equivalent accounting qualification. Strong organizational skills, commercial awareness, and the ability to work effectively within a team are essential.
Experience Required
Minimum 5 year(s)
Finance Business Partner at Etihad Engineering
Abu Dhabi, Abu Dhabi Emirate, United Arab Emirates - Full Time
Skills Needed
Financial Analysis, Financial Reporting, Budgeting, Variance Analysis, Long Term Planning, Kpi Analysis, Management Reporting, Data Consolidation
Specialization
Requires a university bachelor's degree and a professional qualification as a chartered or management accountant. A minimum of 5 years of finance experience is required, with Big4 experience being an advantage.
Experience Required
Minimum 5 year(s)
Finance Business Partner at Heathrow Airport Holdings Ltd
, England, United Kingdom - Full Time
Skills Needed
Financial Modeling, Advanced Excel, Stakeholder Engagement, Financial Analysis, Oracle Erp, Communication, Workload Organization, Business Partnering, Fp&A, Commercial Finance
Specialization
Requires a university degree in Finance or Economics and experience in Business Partnering, Commercial, or FP&A. Proficiency in advanced Excel and Oracle ERP is required, with a professional accounting qualification (ACA/ACCA) being preferred.
Experience Required
Minimum 2 year(s)
Business Finance Partner at Qatar Airways
Doha, , Qatar - Full Time
Skills Needed
Financial Analysis, Budgeting, Forecasting, Cost Control, Kpi Performance Analysis, Strategic Planning, Business Partnering, Oracle Financials, Microsoft Excel, Data Analysis, Commercial Contracts Review, Mentoring, Leadership, Negotiation, Communication, Presentation Skills
Specialization
Candidates must hold a Bachelor's degree and possess at least 6 years of relevant experience in finance. Strong analytical skills, proficiency in Oracle Financials and Microsoft Office, and the ability to influence stakeholders are essential requirements.
Experience Required
Minimum 5 year(s)
Business Development SME at Constellis
Herndon, Virginia, United States - Full Time
Skills Needed
Business Development, Capture Management, Pipeline Management, Win Strategy Development, Competitor Analysis, Teaming Partner Identification, Pricing Strategy, Competitive Intelligence, Marketing Campaigns, P&L Management, Project Management, Program Management
Specialization
Requires over 7 years of experience winning prime US federal opportunities exceeding $100M. A security clearance (TS preferred) and familiarity with tools like GovWin IQ and Salesforce are strongly desired.
Experience Required
Minimum 5 year(s)
Business Banking Manager at Westpac Group
Sydney, New South Wales, Australia -
Full Time

Start Date

Immediate

Expiry Date

23 Jul, 26

Salary

0.0

Posted On

24 Apr, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

No

Skills

Business banking, Lending, Credit risk, Compliance, Relationship management, Networking, Sales, Customer service, Portfolio management, SME lending

Industry

Financial Services

Description
Create your best future and join Westpac as a Business Banking Manager The Westpac SME sector is entering a period of growth, which means we have a newly created opportunity for an experienced Business Banking Manager to support our customers in Sydney. In this role, you will manage a diverse portfolio of SME clients – business lending between $1M to $5M. What's the role? You and a small team of like-minded professionals will work closely together to manage a portfolio of Small to Medium Enterprise (SME) customers, the lifeblood of the Australian economy. SME continues to grow and change the business landscape across our country which means you’ll have heaps of opportunities to build genuine personal connections with our customers, empowering them to feel confident and inspired to navigate the future and what our ‘new normal’ may look like.  Our Business Banking Managers are customer facing sales and service roles so a typical day will see you using lots of different skills, from proactive networking and relationship management to writing deals and managing your customers’ needs.  What do I need? * Proven experience in business banking with solid lending knowledge * Good understanding of credit risk and compliance * Passion for going above and beyond your customers’ expectations of good service * Demonstrated ability to build and maintain strong client relationships * Ability to confidently and proactively target new business opportunities Why join us?  We’re obsessed with becoming our customers #1 banking partner for life and we’re looking for people who are passionate about helping us achieve that goal. In return we’re committed to making Westpac the best place to work in the country. Here are just a few of the ways we’re already doing that: * Special offers on banking products and discounts from top brands, including generous employee-only mortgage rates! * Flexible work arrangements to help you achieve a greater work/life balance, and a variety of leave options including Culture, Lifestyle and Wellbeing leave.  * Tailored learning and development opportunities to help your grow your career within the bank.  * Lots of opportunities to ‘give back’ to the Community by getting involved in our many volunteering initiatives  Create your future today  To get started, simply click on the APPLY or APPLY NOW button  We’re all about creating a supportive and inclusive community. We welcome everyone – no matter your age, gender, background, or abilities. We also provide additional support to welcome our veterans, Indigenous Australians and neurodiverse community.  If you need any adjustments during the recruitment process, you can find out more information and additional contact details by visiting the "People with Disability and/or needing Accessibility Requirements" page on our website [https://www.westpac.com.au/about-westpac/inclusion-and-diversity/Inclusion-means-everyone-matters/disability-and-accessibility/].  
Responsibilities
Manage a diverse portfolio of SME clients with lending needs between $1M and $5M. Proactively network and build strong relationships to identify new business opportunities and provide excellent service.
Business Banking Manager at Westpac Group
Sydney, New South Wales, Australia - Full Time
Skills Needed
Business Banking, Lending, Credit Risk, Compliance, Relationship Management, Networking, Sales, Customer Service, Portfolio Management, Sme Lending
Specialization
Requires proven experience in business banking with solid lending knowledge and a good understanding of credit risk and compliance. Candidates must demonstrate the ability to build client relationships and proactively target new business.
Experience Required
Minimum 5 year(s)
IT Business Partner (SG) at Great Eastern Life Assurance Co Ltd
Cuenca, Azuay, Ecuador - Full Time
Skills Needed
Stakeholder Management, It Strategy, Business Analysis, Insurance Domain Knowledge, Digital Transformation, Conflict Management, Negotiation, Problem Solving, Analytical Skills, Presentation Skills, Storytelling, Relationship Management, Ai Awareness, Data Driven Technologies, Requirement Translation, It Governance
Specialization
Candidates should have experience in insurance or consulting and a degree in IT, Business, or a related field. Strong communication, analytical skills, and awareness of AI/data-driven technologies are required.
Experience Required
Minimum 5 year(s)
Finance Business Partner at Chromalox (UK) Limited
Nova Milanese, Lombardy, Italy - Full Time
Skills Needed
Financial Analysis, Budgeting, Forecasting, Working Capital Management, Strategic Decision Support, Governance, Internal Control, Statutory Audit Coordination, Cost Benefit Analysis, Business Performance Monitoring, Asset Management
Specialization
The ideal candidate should possess strong analytical skills and the ability to interpret business performance effectively. A focus on financial governance and strategic investment support is essential for this role.
Experience Required
Minimum 5 year(s)
Business Banking Manager at Westpac Group
Melbourne, Victoria, Australia - Full Time
Skills Needed
Business Banking, Lending Knowledge, Credit Risk, Compliance, Relationship Management, Sales, Networking, Client Relationship Building, Business Development
Specialization
Requires proven experience in business banking with solid lending knowledge and an understanding of credit risk and compliance. Candidates must demonstrate the ability to build strong client relationships and target new business opportunities.
Experience Required
Minimum 2 year(s)
Finance Business Partner at mSupply
St. Louis, Missouri, United States - Full Time
Skills Needed
Financial Modeling, Financial Analysis, Strategic Planning, Budgeting, Forecasting, Data Visualization, Power Bi, Tableau, Erp Systems, Epicor, Advanced Excel, Market Research, Competitive Analysis, Variance Analysis, Roi Analysis, Ai Enabled Tools
Specialization
Candidates must hold a bachelor's degree in a relevant field and possess at least 5 years of experience in financial analysis or corporate strategy. Proficiency in financial modeling, advanced Excel, and data visualization tools is required, along with strong communication skills.
Experience Required
Minimum 5 year(s)
Finance Business Partner at Culina Group
Appleton, England, United Kingdom - Full Time
Skills Needed
Financial Planning, Business Partnering, Financial Analysis, Logistics Finance, Stakeholder Management
Specialization
The posting does not list specific technical requirements or qualifications. It seeks candidates who align with the company's inclusive culture and are looking for career development in logistics.
Experience Required
Minimum 2 year(s)
Franchise Business Coach at Homefront Brands
Huntersville, North Carolina, United States - Full Time
Skills Needed
Franchise Operations, Business Coaching, Multi Unit Management, P&L Management, Kpi Tracking, Strategic Planning, Operational Excellence, Sales Growth, Cost Control, Service Delivery, Training, Performance Analysis, Communication, Analytical Skills, Relationship Building
Specialization
Candidates must have proven experience in franchise operations, business coaching, or multi-unit management, ideally within the home services or construction industries. Strong analytical capabilities, P&L management skills, and the ability to travel up to 35% of the time are required.
Experience Required
Minimum 5 year(s)
Business Studies Teacher at Elevate
Beijing, Beijing, China - Full Time
Skills Needed
Business Studies, Curriculum Development, Lesson Planning, Assessment Design, Student Monitoring, Communication Skills, Tutoring, Classroom Management, Dp Curriculum, Igcse, A Level
Specialization
Candidates must hold a bachelor's degree or higher and a teaching certificate. At least two years of teaching experience and familiarity with DP or Cambridge curricula are required.
Experience Required
Minimum 2 year(s)
Business Project Manager at Playtech
Sofia, Sofia-City, Bulgaria - Full Time
Skills Needed
Project Management, Stakeholder Management, Agile, Kanban, Waterfall, Risk Mitigation, Data Analysis, Process Documentation, Analytical Thinking, Problem Solving, Multitasking, English Communication, Jira, Monday.Com, Microsoft Office Suite, Copilot
Specialization
Requires proficiency in project management methodologies like Agile and Waterfall and excellent English communication skills. Experience in data analysis and process documentation is essential, with PMP or PRINCE2 certifications being a plus.
Experience Required
Minimum 2 year(s)
Business Project Manager at Playtech
Tallinn, , Estonia - Full Time
Skills Needed
Project Management, Pmo Practices, Project Governance, Jira, Monday, Confluence, Stakeholder Management, Risk Management, Time Management, Communication, Reporting, Software Product Development, Regulated Markets, Technical Coordination, Data Quality Management
Specialization
Candidates must have at least 2 years of experience in IT project management, preferably in an international environment. Proficiency in project management tools like Jira and Monday, along with strong organizational and communication skills, is required.
Experience Required
Minimum 2 year(s)
Finance Business Partner at Insights Learning & Development Ltd
Dundee, Scotland, United Kingdom - Full Time
Skills Needed
Financial Business Partnering, Strategic Planning, Financial Modelling, Scenario Analysis, Commercial Acumen, Stakeholder Management, Data Analytics, Power Bi, Budgeting, Forecasting, Roi Analysis, Investment Appraisal, Kpi Development, Change Management, Communication, Financial Reporting
Specialization
A professional accountancy qualification (CIMA, ACCA, ICAS or equivalent) is preferred along with a proven track record of strategic financial partnering. Candidates must possess strong commercial acumen, advanced financial modelling skills, and the ability to influence senior stakeholders.
Experience Required
Minimum 5 year(s)
Business Support Officer at Lancashire County Council
Fleetwood, England, United Kingdom - Full Time
Skills Needed
Administration, Microsoft Office, Database Management, Communication, Customer Service, Interpersonal Skills
Specialization
Candidates should have experience in an administrative setting and proficiency with Microsoft packages and databases. Strong communication skills are required to engage with managers, social workers, and the public.
Experience Required
Minimum 2 year(s)
HR - HR Business Partner at Jam
Baie-D'Urfé, Quebec, Canada - Full Time
Skills Needed
Employee Relations, Performance Management, Compliance, Conflict Resolution, Hr Operations, Payroll Administration, Corrective Action, Policy Application, Workforce Initiatives, Professionalism, Communication Skills, Investigation Management
Specialization
Candidates must have proven HR generalist experience in an on-site operational environment, preferably within a warehouse setting. Strong knowledge of HR fundamentals, employment laws, and conflict resolution skills are required.
Experience Required
Minimum 2 year(s)
Finance Business Partner at CSC
London, England, United Kingdom - Full Time
Skills Needed
Financial Analysis, Budgeting, Forecasting, Cost Control, Risk Management, Strategic Thinking, Communication, Presentation Skills, Analytical Skills, Interpersonal Skills, Financial Modelling, Microsoft Excel, Erp Systems, Problem Solving, Collaboration, Process Improvement
Specialization
Candidates should have a bachelor's degree in Finance, Accounting, Economics, or a related field, with an MBA preferred. Professional qualifications and proven experience in a similar role within a large global organization are also required.
Experience Required
Minimum 5 year(s)
Finance Business Partner at Aussie Broadband
Melbourne, Victoria, Australia - Full Time
Skills Needed
Financial Planning, Financial Analysis, Performance Review, Three Way Financial Modeling, Advanced Excel, Budgeting, Forecasting, Performance Analysis, Strategic Decision Making, Communication Skills, Stakeholder Management, Market Analysis, Investor Analysis, Business Case Development, Data Driven Decision Making, Financial Reporting
Specialization
Candidates must hold a CA or CPA qualification or equivalent and possess advanced Excel skills with experience in complex financial modeling. Strong communication skills and the ability to interpret analytical outputs for non-financial stakeholders are essential for this role.
Experience Required
Minimum 5 year(s)
Finance Business Partner at Omexom UK
Leeds, England, United Kingdom - Full Time
Skills Needed
Financial Reporting, Management Accounts, Budgeting, Financial Analysis, Reconciliation, Vat Compliance, Credit Control, Internal Control, Data Mining, Commercial Awareness, Communication Skills, Time Management, Project Management, Audit Support, Forecasting
Specialization
Candidates must hold a CIMA, ACCA, or equivalent accounting qualification. Strong organizational skills, commercial awareness, and the ability to work effectively within a team are essential.
Experience Required
Minimum 5 year(s)
Finance Business Partner at Etihad Engineering
Abu Dhabi, Abu Dhabi Emirate, United Arab Emirates - Full Time
Skills Needed
Financial Analysis, Financial Reporting, Budgeting, Variance Analysis, Long Term Planning, Kpi Analysis, Management Reporting, Data Consolidation
Specialization
Requires a university bachelor's degree and a professional qualification as a chartered or management accountant. A minimum of 5 years of finance experience is required, with Big4 experience being an advantage.
Experience Required
Minimum 5 year(s)
Finance Business Partner at Heathrow Airport Holdings Ltd
, England, United Kingdom - Full Time
Skills Needed
Financial Modeling, Advanced Excel, Stakeholder Engagement, Financial Analysis, Oracle Erp, Communication, Workload Organization, Business Partnering, Fp&A, Commercial Finance
Specialization
Requires a university degree in Finance or Economics and experience in Business Partnering, Commercial, or FP&A. Proficiency in advanced Excel and Oracle ERP is required, with a professional accounting qualification (ACA/ACCA) being preferred.
Experience Required
Minimum 2 year(s)
Business Finance Partner at Qatar Airways
Doha, , Qatar - Full Time
Skills Needed
Financial Analysis, Budgeting, Forecasting, Cost Control, Kpi Performance Analysis, Strategic Planning, Business Partnering, Oracle Financials, Microsoft Excel, Data Analysis, Commercial Contracts Review, Mentoring, Leadership, Negotiation, Communication, Presentation Skills
Specialization
Candidates must hold a Bachelor's degree and possess at least 6 years of relevant experience in finance. Strong analytical skills, proficiency in Oracle Financials and Microsoft Office, and the ability to influence stakeholders are essential requirements.
Experience Required
Minimum 5 year(s)
Business Development SME at Constellis
Herndon, Virginia, United States - Full Time
Skills Needed
Business Development, Capture Management, Pipeline Management, Win Strategy Development, Competitor Analysis, Teaming Partner Identification, Pricing Strategy, Competitive Intelligence, Marketing Campaigns, P&L Management, Project Management, Program Management
Specialization
Requires over 7 years of experience winning prime US federal opportunities exceeding $100M. A security clearance (TS preferred) and familiarity with tools like GovWin IQ and Salesforce are strongly desired.
Experience Required
Minimum 5 year(s)