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Senior Commercial Loan Closer at Peoples Security Bank Trust Company
, , Panama - Full Time
Skills Needed
Communication Skills, Interpersonal Relations, Pc Skills, Microsoft Word, Microsoft Excel, Loan Documentation, Attention To Detail, Problem Solving, Team Coordination, Customer Service, Regulatory Compliance, Document Review, Training, Time Management, Data Verification, Record Keeping
Specialization
Candidates must have a high school diploma and at least five years of experience in banking or loan closing positions. Strong communication skills and proficiency in Microsoft Word and Excel are also required.
Experience Required
Minimum 5 year(s)
Commercial Loan Closer at Peoples Security Bank Trust Company
, , Panama - Full Time
Skills Needed
Communication Skills, Interpersonal Relations, Pc Skills, Microsoft Word, Microsoft Excel, Loan Documentation, Attention To Detail, Problem Solving, Time Management, Organizational Skills, Analytical Skills, Customer Service, Team Coordination, Regulatory Compliance, Document Review, Data Verification
Specialization
Candidates must have a high school diploma or equivalent and at least two years of experience in banking or loan closing positions. Strong communication skills and proficiency in Microsoft Word and Excel are also required.
Experience Required
Minimum 2 year(s)
Cook at Magnolia Manor of Spartanburg
Spartanburg, South Carolina, United States - Full Time
Skills Needed
Culinary Arts, Food Preparation, Therapeutic Diets, Standardized Recipes, Portion Control, Food Safety, Inventory Management, Communication, Teamwork, Time Management, Attention To Detail, Reliability, English Fluency, Food Handling, Cooking Techniques
Specialization
Candidates must have at least a high school diploma or equivalent and a minimum of one year of dietary experience in a medical facility. A food handler’s permit is required, and fluency in English is necessary.
​Senior Financial Manager at Hepburn and Sons, LLC
Manassas, Virginia, United States - Full Time
Skills Needed
Financial Management, Budgeting, Cost Estimation, Database Management, Erp, Microsoft Excel, Data Analysis, Program Objective Memorandum, Government Furnished Equipment, Contractor Furnished Equipment, Parametric Analysis, Trend Analysis, Integrity, Collaboration, Communication, Ethics
Specialization
Candidates must have 15 years of professional experience in financial management within DOD acquisition and 5 years of experience with ERP and PBIS. A DoD Secret level clearance is also required.
Experience Required
Minimum 10 year(s)
Therapy Tech - Helen Keller Hospital, PT OT Speech Therapy, Part Time, 1st at Huntsville Hospital Health System
Sheffield, Alabama, United States - Full Time
Skills Needed
Patient Transfer, Housekeeping, Assisting Therapists, Equipment Preparation
Specialization
A High School Diploma or GED is preferred, with some college education also preferred. The position requires minimal experience, making it suitable for entry-level candidates.
Pasto Asesor de ventas en computo at MarcoMKT
Perímetro Urbano Pasto, Nariño, Colombia - Full Time
Skills Needed
Sales, Customer Service, Technology Knowledge, Product Promotion, Retail Experience, Personalized Advice, Trade Marketing, Goal Achievement
Specialization
Candidates should have completed high school and possess knowledge of technology products, preferably computing equipment. A minimum of 6 months experience in technology or retail sales is also required.
Social Worker I - School of Medicine, Emergency Medicine at Emory University
Atlanta, Georgia, United States - Full Time
Skills Needed
Emotional Support, Psychosocial Counseling, Patient Care, Discharge Planning, Interpersonal Skills, Communication Skills, Cultural Competence, Care Navigation, Case Management, Public Health, Hiv/Aids Knowledge, Sti Prevention, Electronic Medical Records, Data Reporting, Diverse Populations
Specialization
Candidates must have a bachelor's degree in social work, psychology, or a related field, along with two years of social work/social services experience. Preferred qualifications include a master's degree and knowledge of HIV/AIDS and STI prevention.
Experience Required
Minimum 2 year(s)
Advancement and Alumni Services Coordinator (ETS) | Temporary at Emory University
Atlanta, Georgia, United States - Full Time
Skills Needed
Administrative Support, Project Management, Communication, Data Collection, Event Coordination, Budget Monitoring
Specialization
A bachelor's degree and one year of experience in an office setting are required, or an equivalent combination of education and experience. The position requires in-person attendance at the Emory University location.
Data Analyst at Emory University
Atlanta, Georgia, United States - Full Time
Skills Needed
Data Analysis, Statistical Methods, R, Python, Data Visualization, Survival Analysis, Analytical Skills, Data Dictionary, Metadata, Data Standards, Reports, Queries, Consultation, Database Expertise
Specialization
A bachelor's degree and one year of experience in data analysis or a related field is required. Proficiency in statistical programming and strong analytical skills are also necessary.
Program Assistant (NGO)| Full-time, Temporary | the Carter Center at Emory University
Atlanta, Georgia, United States - Full Time
Skills Needed
Administrative Support, Logistical Support, Calendar Management, Communication, Travel Coordination, Contract Drafting, Budget Management, Report Writing, Event Organization, Data Management, Research, Team Collaboration, Supervision, Problem Solving, Time Management, Detail Orientation
Specialization
Candidates must have a Bachelor's degree or a high school diploma with five years of administrative experience. Proficiency with various personal computer software applications is also required.
Warehouse Coordinator at AVI-SPL
Sacramento, California, United States - Full Time
Skills Needed
Inventory Control, Shipping, Receiving, Data Analysis, Communication Skills, Microsoft Excel, Microsoft Word, Customer Service, Organization Skills, Attention To Detail, Forklift Operation, Math Skills, Teamwork, Problem Solving, Time Management, Equipment Maintenance
Specialization
A minimum of a high school diploma and 2 years of warehouse or inventory experience is required. Candidates must also have experience with shipping and receiving, including UPS and FedEx, and must be able to pass internal forklift certification.
Experience Required
Minimum 2 year(s)
Social Media Production Intern (Hybrid) at KnowBe4
Clearwater, Florida, United States - Full Time
Skills Needed
Creative Writing, Visual Storytelling, Video Production, Social Media, Communication Skills, Video Filming Techniques, Composition, Lighting, Time Management, Adaptability, Research Skills, Team Collaboration, Content Optimization, Trend Analysis, Storyboarding, Engagement Strategies
Specialization
Candidates should be pursuing or have recently completed a degree in a related field and have a portfolio showcasing social media content. They should also have 0-2 years of video production experience and strong communication skills.
Senior Strategic Customer Success Manager at Gloo
Oklahoma City, Oklahoma, United States - Full Time
Skills Needed
Customer Success, Account Management, Stakeholder Communication, Contract Negotiation, Saas, Crm Software, Business Strategy, Relationship Management, Upselling, Cross Selling, Data Analysis, Presentation Skills, Collaboration, Problem Solving, Industry Trends, Technical Solutions
Specialization
Candidates should have a Bachelor's Degree in a relevant field and at least 5 years of experience in Account Management or Sales within the SaaS industry. A proven track record of exceeding revenue quotas and experience with complex client relationships is essential.
Experience Required
Minimum 5 year(s)
Customer Experience Coordinator - Northern Liberties, PA at Veterinary Emergency Group (VEG)
Philadelphia, Pennsylvania, United States - Full Time
Skills Needed
Customer Service, Communication, Multitasking, Attention To Detail, Emotional Intelligence, Organizational Skills, Empathy, Problem Solving
Specialization
Candidates should have at least 2 years of experience in customer service and possess advanced knowledge of computer programs and practice management software. Strong communication skills and the ability to thrive in a fast-paced environment are essential.
Experience Required
Minimum 2 year(s)
Junior HRBP at Chowbus
Los Angeles, California, United States - Full Time
Skills Needed
Employee Relations, Recruitment, Hr Data, Reporting, Analytics, Communication Skills, Change Management, Project Management, Leadership, Team Development, Collaboration, Problem Solving, Mandarin Proficiency, Talent Acquisition, Performance Improvement, Policy Education
Specialization
Candidates should have at least 3 years of HR experience, preferably in a startup or growth stage environment. Strong communication skills, emotional intelligence, and the ability to handle multiple projects in a fast-paced environment are essential.
Experience Required
Minimum 2 year(s)
Head of Sales at JobSiteCare
, , United States - Full Time
Skills Needed
Sales Leadership, Business Development, Client Acquisition, Relationship Management, Negotiation, Revenue Growth, Healthcare Services, Occupational Health, Concierge Medicine, Enterprise Sales, Market Expansion, Team Development, Crm Discipline, Kpi Establishment, Cross Functional Collaboration, Strategic Partnerships
Specialization
Candidates should have 8+ years of experience in B2B sales, particularly in healthcare services or related fields, with a proven track record of selling to C-suite clients. Strong communication and negotiation skills, along with an entrepreneurial mindset, are essential.
Experience Required
Minimum 10 year(s)
Lead Data Scientist at Visa
Bellevue, Washington, United States - Full Time
Skills Needed
Data Science, Machine Learning, Ai, Mlops, Data Extraction, Data Quality, Etl, Big Data, Predictive Analytics, Model Evaluation, Data Governance, Software Development, Data Modeling, Streaming Systems, Distributed Computing, Infrastructure Improvement
Specialization
Candidates should have 10+ years of relevant work experience, with a strong background in AI/ML model development and large-scale data technologies. A Bachelor's degree in Computer Science or Data Science is preferred, along with experience in ETL and data pipelines.
Experience Required
Minimum 10 year(s)
Bogotá Asesor de ventas en computo at MarcoMKT
Bogota, Capital District, RAP (Especial) Central, Colombia - Full Time
Skills Needed
Sales, Customer Service, Product Promotion, Technology Knowledge, Retail Experience, Communication, Goal Orientation, Personalized Advice
Specialization
Candidates should have completed high school and possess knowledge of technology products, preferably computing equipment. A minimum of 6 months of experience in technology or retail sales is also required.
Sincelejo Asesor de ventas en computo at MarcoMKT
Sincelejo, Sucre, Colombia - Full Time
Skills Needed
Sales, Customer Service, Product Knowledge, Technology, Retail, Trade Marketing
Specialization
Candidates should have completed high school and possess knowledge of technology products, preferably computing equipment. A minimum of 6 months of experience in technology or retail sales is also required.
Pereira Asesor de ventas en computo at MarcoMKT
Perimetro Urbano Pereira, Risaralda, Colombia - Full Time
Skills Needed
Sales, Customer Service, Product Promotion, Technology Knowledge, Retail Experience, Communication, Goal Orientation
Specialization
Candidates must have completed high school and possess knowledge of technology products, preferably computing equipment. A minimum of 6 months of experience in technology or retail sales, ideally in the computing sector, is required.
Senior Commercial Loan Closer at Peoples Security Bank Trust Company
, , Panama -
Full Time

Start Date

Immediate

Expiry Date

20 Mar, 26

Salary

0.0

Posted On

20 Dec, 25

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

No

Skills

Communication Skills, Interpersonal Relations, PC Skills, Microsoft Word, Microsoft Excel, Loan Documentation, Attention to Detail, Problem Solving, Team Coordination, Customer Service, Regulatory Compliance, Document Review, Training, Time Management, Data Verification, Record Keeping

Industry

Banking

Description
Description General Responsibilities: Responsible for performing a variety of duties to support the loan documentation and loan processing function for commercial/small business, residential, and consumer loan transactions; coordinating work within the department, as well as with other departments; reporting pertinent information to the immediate supervisor; responding to inquiries or requests for information. Essential Duties: Performs a variety of duties to support the loan documentation function as follows: Verifies all loan information pertaining to small business and commercial lending in preparation for final loan documentation for closing. Verifies loan approvals to loan policies. Reviews loan applications to verify that application data is complete and meets establishment standards, including full execution by all parties and Bank. Reviews document preparation folders for completeness and accuracy Informs Lenders and administrative support of missing information, documentation and discrepancies. Verifies loan to values as appropriate to the transaction at hand and for reporting accuracy. Completes and/or follows up on any additional records with regard to the processed loans Prepares and reviews commercial modification documentation as needed including calculation of adjusted payments. Obtains additional needed information through a variety of methods in order to ensure that the proper preliminary documentation has been obtained prior to the preparation of final loan documentation, i.e. articles of incorporation, business agreements, certificate of good standing, appraisals, automated underwriting findings, investment account statements, etc. Performs review of attorney-prepared loan documentation for accuracy and informs Lenders of necessary changes, as needed. Performs secondary review of loan documentation of other loan closers prior to distribution of loan documents including review of attorney-prepared loan documentation. Generates and distributes loan documentation for closings to Lenders and administrative support; reviews HUD Settlements statements and verifies accuracy and funds to close. Reviews executed loan documentation to ensure that the proper signatures have been obtained after closing including loans where documentation has been prepared by outside counsel; ensures all the proper documents are included in the final loan files and completes the organization of the permanent loan documentation file. Provides support to post-closing loan processor, when necessary, with regards to tracking and preparation of the loan file for imaging and filing Processes withdrawn, approved not accepted and declined commercial loans as needed for HMDA reporting purposes including generating Adverse Action Notice for loans declined due to poor credit history May assist in the training of Commercial Loan Closer Ancillary Duties: Perform tasks which are supportive in nature of the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances. Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. While performing the essential job functions of this position, the employee is regularly required to sit, stand, talk, hear, walk, use hands and fingers, handle or feel objects, and reach with hands and arms. At times required to stoop, kneel, bend, crouch and lift up to 25 pounds. This position requires regular use of a computer. Peoples Security Bank and Trust Company is an Equal Opportunity Employer Requirements Basic Qualifications: Education/Training: A high school diploma or equivalent. Skill(s): Must demonstrate strong communication skills; moderate interpersonal relations skills; proficient PC skills, including Microsoft Word and Excel; working knowledge of loan documentation and requirements for completion. Knowledge of documentation software (LaserPro) preferred. Experience: A minimum of five (5) years’ experience in related banking/loan closing positions normally required.

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Responsibilities
The Senior Commercial Loan Closer is responsible for supporting the loan documentation and processing functions for various loan transactions. This includes verifying loan information, reviewing applications, and ensuring accuracy in documentation for closing.
Senior Commercial Loan Closer at Peoples Security Bank Trust Company
, , Panama - Full Time
Skills Needed
Communication Skills, Interpersonal Relations, Pc Skills, Microsoft Word, Microsoft Excel, Loan Documentation, Attention To Detail, Problem Solving, Team Coordination, Customer Service, Regulatory Compliance, Document Review, Training, Time Management, Data Verification, Record Keeping
Specialization
Candidates must have a high school diploma and at least five years of experience in banking or loan closing positions. Strong communication skills and proficiency in Microsoft Word and Excel are also required.
Experience Required
Minimum 5 year(s)
Commercial Loan Closer at Peoples Security Bank Trust Company
, , Panama - Full Time
Skills Needed
Communication Skills, Interpersonal Relations, Pc Skills, Microsoft Word, Microsoft Excel, Loan Documentation, Attention To Detail, Problem Solving, Time Management, Organizational Skills, Analytical Skills, Customer Service, Team Coordination, Regulatory Compliance, Document Review, Data Verification
Specialization
Candidates must have a high school diploma or equivalent and at least two years of experience in banking or loan closing positions. Strong communication skills and proficiency in Microsoft Word and Excel are also required.
Experience Required
Minimum 2 year(s)
Cook at Magnolia Manor of Spartanburg
Spartanburg, South Carolina, United States - Full Time
Skills Needed
Culinary Arts, Food Preparation, Therapeutic Diets, Standardized Recipes, Portion Control, Food Safety, Inventory Management, Communication, Teamwork, Time Management, Attention To Detail, Reliability, English Fluency, Food Handling, Cooking Techniques
Specialization
Candidates must have at least a high school diploma or equivalent and a minimum of one year of dietary experience in a medical facility. A food handler’s permit is required, and fluency in English is necessary.
​Senior Financial Manager at Hepburn and Sons, LLC
Manassas, Virginia, United States - Full Time
Skills Needed
Financial Management, Budgeting, Cost Estimation, Database Management, Erp, Microsoft Excel, Data Analysis, Program Objective Memorandum, Government Furnished Equipment, Contractor Furnished Equipment, Parametric Analysis, Trend Analysis, Integrity, Collaboration, Communication, Ethics
Specialization
Candidates must have 15 years of professional experience in financial management within DOD acquisition and 5 years of experience with ERP and PBIS. A DoD Secret level clearance is also required.
Experience Required
Minimum 10 year(s)
Therapy Tech - Helen Keller Hospital, PT OT Speech Therapy, Part Time, 1st at Huntsville Hospital Health System
Sheffield, Alabama, United States - Full Time
Skills Needed
Patient Transfer, Housekeeping, Assisting Therapists, Equipment Preparation
Specialization
A High School Diploma or GED is preferred, with some college education also preferred. The position requires minimal experience, making it suitable for entry-level candidates.
Pasto Asesor de ventas en computo at MarcoMKT
Perímetro Urbano Pasto, Nariño, Colombia - Full Time
Skills Needed
Sales, Customer Service, Technology Knowledge, Product Promotion, Retail Experience, Personalized Advice, Trade Marketing, Goal Achievement
Specialization
Candidates should have completed high school and possess knowledge of technology products, preferably computing equipment. A minimum of 6 months experience in technology or retail sales is also required.
Social Worker I - School of Medicine, Emergency Medicine at Emory University
Atlanta, Georgia, United States - Full Time
Skills Needed
Emotional Support, Psychosocial Counseling, Patient Care, Discharge Planning, Interpersonal Skills, Communication Skills, Cultural Competence, Care Navigation, Case Management, Public Health, Hiv/Aids Knowledge, Sti Prevention, Electronic Medical Records, Data Reporting, Diverse Populations
Specialization
Candidates must have a bachelor's degree in social work, psychology, or a related field, along with two years of social work/social services experience. Preferred qualifications include a master's degree and knowledge of HIV/AIDS and STI prevention.
Experience Required
Minimum 2 year(s)
Advancement and Alumni Services Coordinator (ETS) | Temporary at Emory University
Atlanta, Georgia, United States - Full Time
Skills Needed
Administrative Support, Project Management, Communication, Data Collection, Event Coordination, Budget Monitoring
Specialization
A bachelor's degree and one year of experience in an office setting are required, or an equivalent combination of education and experience. The position requires in-person attendance at the Emory University location.
Data Analyst at Emory University
Atlanta, Georgia, United States - Full Time
Skills Needed
Data Analysis, Statistical Methods, R, Python, Data Visualization, Survival Analysis, Analytical Skills, Data Dictionary, Metadata, Data Standards, Reports, Queries, Consultation, Database Expertise
Specialization
A bachelor's degree and one year of experience in data analysis or a related field is required. Proficiency in statistical programming and strong analytical skills are also necessary.
Program Assistant (NGO)| Full-time, Temporary | the Carter Center at Emory University
Atlanta, Georgia, United States - Full Time
Skills Needed
Administrative Support, Logistical Support, Calendar Management, Communication, Travel Coordination, Contract Drafting, Budget Management, Report Writing, Event Organization, Data Management, Research, Team Collaboration, Supervision, Problem Solving, Time Management, Detail Orientation
Specialization
Candidates must have a Bachelor's degree or a high school diploma with five years of administrative experience. Proficiency with various personal computer software applications is also required.
Warehouse Coordinator at AVI-SPL
Sacramento, California, United States - Full Time
Skills Needed
Inventory Control, Shipping, Receiving, Data Analysis, Communication Skills, Microsoft Excel, Microsoft Word, Customer Service, Organization Skills, Attention To Detail, Forklift Operation, Math Skills, Teamwork, Problem Solving, Time Management, Equipment Maintenance
Specialization
A minimum of a high school diploma and 2 years of warehouse or inventory experience is required. Candidates must also have experience with shipping and receiving, including UPS and FedEx, and must be able to pass internal forklift certification.
Experience Required
Minimum 2 year(s)
Social Media Production Intern (Hybrid) at KnowBe4
Clearwater, Florida, United States - Full Time
Skills Needed
Creative Writing, Visual Storytelling, Video Production, Social Media, Communication Skills, Video Filming Techniques, Composition, Lighting, Time Management, Adaptability, Research Skills, Team Collaboration, Content Optimization, Trend Analysis, Storyboarding, Engagement Strategies
Specialization
Candidates should be pursuing or have recently completed a degree in a related field and have a portfolio showcasing social media content. They should also have 0-2 years of video production experience and strong communication skills.
Senior Strategic Customer Success Manager at Gloo
Oklahoma City, Oklahoma, United States - Full Time
Skills Needed
Customer Success, Account Management, Stakeholder Communication, Contract Negotiation, Saas, Crm Software, Business Strategy, Relationship Management, Upselling, Cross Selling, Data Analysis, Presentation Skills, Collaboration, Problem Solving, Industry Trends, Technical Solutions
Specialization
Candidates should have a Bachelor's Degree in a relevant field and at least 5 years of experience in Account Management or Sales within the SaaS industry. A proven track record of exceeding revenue quotas and experience with complex client relationships is essential.
Experience Required
Minimum 5 year(s)
Customer Experience Coordinator - Northern Liberties, PA at Veterinary Emergency Group (VEG)
Philadelphia, Pennsylvania, United States - Full Time
Skills Needed
Customer Service, Communication, Multitasking, Attention To Detail, Emotional Intelligence, Organizational Skills, Empathy, Problem Solving
Specialization
Candidates should have at least 2 years of experience in customer service and possess advanced knowledge of computer programs and practice management software. Strong communication skills and the ability to thrive in a fast-paced environment are essential.
Experience Required
Minimum 2 year(s)
Junior HRBP at Chowbus
Los Angeles, California, United States - Full Time
Skills Needed
Employee Relations, Recruitment, Hr Data, Reporting, Analytics, Communication Skills, Change Management, Project Management, Leadership, Team Development, Collaboration, Problem Solving, Mandarin Proficiency, Talent Acquisition, Performance Improvement, Policy Education
Specialization
Candidates should have at least 3 years of HR experience, preferably in a startup or growth stage environment. Strong communication skills, emotional intelligence, and the ability to handle multiple projects in a fast-paced environment are essential.
Experience Required
Minimum 2 year(s)
Head of Sales at JobSiteCare
, , United States - Full Time
Skills Needed
Sales Leadership, Business Development, Client Acquisition, Relationship Management, Negotiation, Revenue Growth, Healthcare Services, Occupational Health, Concierge Medicine, Enterprise Sales, Market Expansion, Team Development, Crm Discipline, Kpi Establishment, Cross Functional Collaboration, Strategic Partnerships
Specialization
Candidates should have 8+ years of experience in B2B sales, particularly in healthcare services or related fields, with a proven track record of selling to C-suite clients. Strong communication and negotiation skills, along with an entrepreneurial mindset, are essential.
Experience Required
Minimum 10 year(s)
Lead Data Scientist at Visa
Bellevue, Washington, United States - Full Time
Skills Needed
Data Science, Machine Learning, Ai, Mlops, Data Extraction, Data Quality, Etl, Big Data, Predictive Analytics, Model Evaluation, Data Governance, Software Development, Data Modeling, Streaming Systems, Distributed Computing, Infrastructure Improvement
Specialization
Candidates should have 10+ years of relevant work experience, with a strong background in AI/ML model development and large-scale data technologies. A Bachelor's degree in Computer Science or Data Science is preferred, along with experience in ETL and data pipelines.
Experience Required
Minimum 10 year(s)
Bogotá Asesor de ventas en computo at MarcoMKT
Bogota, Capital District, RAP (Especial) Central, Colombia - Full Time
Skills Needed
Sales, Customer Service, Product Promotion, Technology Knowledge, Retail Experience, Communication, Goal Orientation, Personalized Advice
Specialization
Candidates should have completed high school and possess knowledge of technology products, preferably computing equipment. A minimum of 6 months of experience in technology or retail sales is also required.
Sincelejo Asesor de ventas en computo at MarcoMKT
Sincelejo, Sucre, Colombia - Full Time
Skills Needed
Sales, Customer Service, Product Knowledge, Technology, Retail, Trade Marketing
Specialization
Candidates should have completed high school and possess knowledge of technology products, preferably computing equipment. A minimum of 6 months of experience in technology or retail sales is also required.
Pereira Asesor de ventas en computo at MarcoMKT
Perimetro Urbano Pereira, Risaralda, Colombia - Full Time
Skills Needed
Sales, Customer Service, Product Promotion, Technology Knowledge, Retail Experience, Communication, Goal Orientation
Specialization
Candidates must have completed high school and possess knowledge of technology products, preferably computing equipment. A minimum of 6 months of experience in technology or retail sales, ideally in the computing sector, is required.