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Job DescriptionSalary: $60,000 - $70,000 Annual Salary Case Manager Job Description GENERAL RESPONSIBILITIES The Case Manager assists the Financial Advisors and their team in underwriting new applications and servicing of existing business and clients. The Case Manager is proficient in all Northwestern Mutual systems and maintains a high level of accuracy, dependability, and provides an exceptional customer service. This service provides comprehensive insurance support to streamline the underwriting process, provide an exceptional client experience, and facilitate practice growth. Responsibilities include, but are not limited to: Underwriting • Assists in application prefills and medical scheduling., • Reviews the applications for accuracy prior to submission., • Efficiently manages the submission of applications., • Gathers pending case requirements and requests additional information from the client., • Runs revised illustrations upon policy approval., • Prepares and gathers all policy delivery requirements to be sent out for E- signatures, • Resolves underwriting issues and acts as an advocate for the Financial Advisor and clients. Communication • Updates the clients on the status of their applications and acts as a liaison between the underwriter, financial advisors and the client., • Creates a weekly case update report to send to the financial representative., • Communicates with the underwriter to resolve issues, send requirements and ensure a smooth underwriting process., • Meets with the financial representative and their team once a week to discuss the cases in underwriting on the weekly case update report. Policy Owner Services Process inforce policy requests (beneficiary changes, address changes, ISA drafts, inquiries and loans. Runs policy change estimates and policy maintenance. Runs inforce illustrations QUALIFICATIONS • Bachelors degree in business, finance and/or equivalent work experience preferred, • 2-5 years of financial services experience preferred, • Strong analytical, problem solving, and written and verbal communication skills with the ability to work well with others, • Strong attention to detail, accuracy, and reliability with the ability to thrive in a fast-paced environment, • Proficient knowledge in Microsoft Office (Outlook, Word, Excel, PowerPoint) with the ability to learn various software programs quickly, • Life, Accident, & Health Insurance Licenses to be obtained within the first 3-6 months of employment COMPENSATION & BENEFITS • Competitive Compensation: Base salary of $60k-70k per year with incentive compensation and comprehensive benefits package that includes PTO, 401(k) with employer match, subsidized health insurance premiums, and life and disability insurance coverage., • Career Development: Opportunities for continuous learning and growth with access to professional development resources and clear career pathways., • Supportive Team Environment: Join a collaborative and motivated team committed to your success and career satisfaction., • Networking Opportunities: Build connections within the financial services industry and local community through various events and initiatives., • Impactful Work: Play a pivotal role in shaping the careers of students and future financial professionals., • Recognition & Rewards: Celebrate achievements and milestones with a range of recognition programs and incentives. PHYSICAL AND MENTAL DEMANDS The physical and mental demands described here are representative of those that must be met by employees to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. PHYSICAL DEMANDS While performing the duties of this job, employees are regularly required to sit, walk and stand; talk or hear, both in person and by telephone; use hands repetitively to finger, handle, feel or operate standard office equipment such as computers and printers; reach with hands and arms; and lift to 25 pounds. Specific vision abilities required by this job include close vision, distance vision and the ability to adjust focus. Regular, predictable attendance is required. MENTAL DEMANDS While performing the duties of this job, employees are regularly required to use written and oral communication skills; read and interpret data, information and documents; analyze and solve non-routine administrative problems; use math and mathematical reasoning; observe and interpret situations; learn and apply new information or skills; perform detailed work on multiple, concurrent tasks; work under deadlines with frequent interruptions; and interact with colleagues, clients, and others encountered in the course of work, some of whom may be dissatisfied individuals. WORK ENVIRONMENT The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this class. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Employees work under typical office conditions, and the noise level is moderate (i.e., business office with computers, phone, and printers, light traffic). EQUAL OPPORTUNITY EMPLOYER Northwestern Mutual believes that every individual makes a significant contribution to our success and recognizes the diversity and worth of all individuals and groups. It is the policy of Northwestern Mutual that there will be no discrimination or harassment of individuals or groups based on race, color, religion, gender, sexual orientation, gender identity, gender expression, national origin, marital status, age, veteran status, genetic information or disability in any activities, or employment.

Job Description CalPrivate Bank is an equal opportunity employer, committed to diversity, equity and inclusion. Job Title SBA BUSINESS DEVELOPMENT OFFICER Department SBA - PRIVATE BUSINESS CAPITAL Reports To CHIEF SBA OFFICER FLSA Status EXEMPT Job Summary The SBA Business Development Officer position is responsible for soliciting, negotiating and developing new business for the bank’s SBA department as well as the bank’s other products in compliance with the Bank’s policies and procedures. Loan Production $8,000,000 to $10,000,000 SBA Loans (SBA 7A and SBA 504 loan originations) or as assigned by manager. Duties and Responsibilities • Engage in business development activities to source and close SBA loan requests., • Interviews prospective applicants and requests specified information related to loan application; continually correspond with applicants to resolve questions regarding application information., • Gather and analyze all information necessary to present a financing request to underwriter, SBA Department Manager, President/CEO, Chief Credit Officer, etc., • Perform prequalification assessment and analysis of applicant’s financial condition., • Develop and maintain knowledge of financial industry, economy, market conditions, rates, vendors and competition., • Continuously strengthen the referral source network. Meet with prospects and referral sources to generate leads whenever possible., • Leverage centers of influence by proactively fostering quality relationships., • Stay actively involved with professional and/or community organizations by representing CalPrivate Bank at appropriate professional and community events., • Participate in cross-referrals with other bank staff. Create an atmosphere of teamwork and collaboration throughout CalPrivate Bank., • Cross-sell CalPrivate Bank’s other products and services as appropriate., • Host educational sessions/give presentations to bank staff, prospects and centers of influence to review SBA products and programs., • Address customer service issues with both clients and bank staff as needed. BSA/AML/ Compliance Responsibilities This position includes direct interaction with customers and therefore includes responsibilities relating to BSA/AML. The employee will have opportunity to examine and view information and documents produced by other employees of the Bank relating to BSA and therefore has the obligation to report activity to the BSA Officer as appropriate. The employee is responsible for understanding and following the Bank’s BSA/AML policies including elevating suspicious activity to the BSA Officer. Additionally, the employee is required to understand and follow the Bank’s compliance program. Qualifications • 4 year degree or equivalent experience, • 3+ years of equivalent SBA experience, • 3+ years of banking experience Skills Needed • Experience in financial statement and tax return analysis, • Experience in SBA lending activities and terminology, • Experience in commercial real estate and construction financing, • Experience in business acquisition financing, • Knowledge of SBA SOP, • Knowledge of Government Regulations, • Ability to present to groups or individuals in a concise and confident manner, • Strong business development and negotiation skills, • Excellent communication and presentation skills, • Excellent customer service skills, • Excellent organizational, time management and project management skills, • Proficient PC skills to include spreadsheet, word-processing, database systems and other software utilized by the department, • Ability to coordinate and work collaboratively with internal and external contacts on a daily basis, • Knowledge and experience to anticipate, identify and resolve problems Physical demands While performing the duties of this job the employee is frequently required to sit, stand, use hands to finger, handle, or feel, reach with hands or arms and talk or hear. The employee is required to walk or balance. The employee may occasionally lift and/or move up to 25lbs. Specific vision abilities required by this job include close vision and the ability to focus. In the performance of duties of this job the employee may be required to travel occasionally. Other Must be willing to travel as needed to perform site visits, collect loan applications/packages, etc.

Job Description 1099 Job Position summary American Income Life is a leading insurance and supplemental benefits provider. The company provides its clients with value and unbeatable customer service with complete transparency and integrity. That's what makes us so successful. We are currently looking for service-minded individuals with good communication skills to fill several sales representative positions in your area. This position is 100% COMMISSION BASED PAY ONLY. Company background AIL has been in business for over 68 years. We are a company that works with over 40,000 different labor unions, including the NFL, NBA & MLB, with over 5 million members and counting. Our company has over $58.9 billion in force with an A+ Superior Rating by AM Best for its financial strength. Union members request our benefits packages because standard work benefits are often eliminated or reduced upon leaving or retirement. We provide unions with permanent benefits to give them the protection they need throughout their lives. American Income Life is one the premier workplaces in North America, consistently being voted one of the best places to work, with Best Workplace awards in 2017, 2018 and 2019. AIL has also been named the 24th Happiest Places to Work by Forbes Magazine. Job Duties: • Inbound and outbound calling, • Scheduling appointments with clients who request our benefits, • Presenting and explaining insurance products and benefits packages over Zoom video call, • Sell and up sell insurance to new and existing clients, • Completing applications for insurance products, • Report daily numbers, • Attend optional training classes, • Long-term career progression, • Flexible work hours, • Remote work from home option, • 100% Commission Pay ONLY, • Provide full training, • Residual Income, • Paid Weekly, • Benefits (After 3 Months), • Strong communication skills, • Time management skills, • 18+ years of age, • High school diploma (higher education preferred but not required), • Customer service and/or retail experience preferred but not required, • Working Computer, • Cell phone (unlimited long distance calling), • Access to Wifi, • In the interest of community wellness, our company has adjusted our business operations. As such, all interviews will be conducted via Video Conferencing.

Job DescriptionDescription: Within established guidelines and procedures, perform work requiring the use of judgment and discretion in making credit decisions for members seeking a variety of loans. Responsible for reviewing loan applications, interviewing loan applicants and obtaining other documentation to determine credit worthiness of applicant and disposition of loan. Prepare appropriate documentation and related forms for submittal to the Lending Manager. Develop information and stipulations to process loan applications such as verification of income and credit reports. Employees assigned to this level will underwrite a variety of loans with considerable independence. Requirements: Essential Duties and Responsibilities: • Act as a resource for dealer and staff questions regarding the Credit Union’s loan programs., • Within established guidelines and procedures, perform work requiring the use of judgment and discretion in making credit decisions for consumer (direct/indirect) and real estate loans., • Review all applications to insure completeness and accuracy of information. Inform branch personnel, members and/or dealers of loan requirements and matters affecting the granting of loans., • Set stipulations for loan applications accordingly to achieve sound lending decision., • Inform management of the progress and performance of dealer partners., • Prepare monthly production reports and provide information to manager., • Provide recommendations, written or verbal, to the Lending Manager and/or the Credit Manager with regards to credit applications outside individual underwriting authority., • Assist branch personnel in facilitating the closing and disbursement of loans insuring that guidelines and stipulations are met., • Remain current on lending regulations and guidelines., • Complete reports as requested by management., • Maintain effective working relationship with staff., • Register with the Nationwide Mortgage Licensing System and Registry (NMLS). Will be required to undergo a background check. Registration with the NMLS to be maintained on an annual basis., • All other duties assigned.

Job Description At Lendsure Mortgage Corp, the Full-Time Quality Control Mortgage Underwriter position offers a dynamic opportunity to shape the future of our mortgage processes while working onsite in beautiful San Diego. You will be at the forefront of innovation, applying your expertise to ensure excellence in every transaction. Collaborate with a team of forward-thinking professionals dedicated to problem-solving and elevating the customer experience. This role empowers you to make a tangible impact on our processes and drive improvements that benefit our clients. Your insights will help maintain our commitment to quality and integrity in the fast-paced real estate industry. Join us for a fulfilling career in a fun and engaging work environment that celebrates achievement and creativity. You will be given great benefits such as Medical, Dental, Vision, 401(k), Life Insurance, Competitive Salary, Paid Time Off, and Employee Discounts. This is more than just a job; it's a chance to influence the mortgage landscape and grow alongside a company that values your contributions. Your role as a Quality Control Mortgage Underwriter As a Quality Control Mortgage Underwriter at Lendsure Mortgage Corp, you will play a critical role in ensuring compliance with current regulations and company policies through meticulous reviews. You will conduct pre-documentation and post-funding quality control assessments, leveraging your strong oral and written communication skills to collaborate effectively with colleagues. Your attention to detail and ability to multitask will allow you to manage a high daily loan volume efficiently. A thorough understanding of credit risk and proficiency in reviewing complex financial documents are essential, enabling you to assess creditworthiness while adhering to all regulatory and compliance requirements. You will work under minimal supervision, engaging actively with your supervisor to resolve intricate issues. Familiarity with Microsoft Office and experience with Encompass LOS will further enhance your contributions as a valuable team player in this fast-paced environment focused on excellence and customer satisfaction. Are you the Quality Control Mortgage Underwriter we're looking for? To excel as a Quality Control Mortgage Underwriter at Lendsure Mortgage Corp, candidates must bring a minimum of 10 years of recent experience in quality control or residential mortgage underwriting. A comprehensive understanding of state and federal lending regulations, including TRID, Ability to Repay, RESPA, Reg B, Reg Z, and Fair Lending, is essential for ensuring compliance and maintaining the integrity of our processes. Strong analytical skills are required to interpret complex financial documents and assess credit risk effectively. Excellent interpersonal and problem-solving skills will facilitate collaboration with team members and supervisors. The ability to multitask and manage time efficiently is crucial, given the high volume of loans processed. Proficiency with Microsoft Office and familiarity with Encompass LOS will enhance your capacity to deliver exceptional results in a fast-paced environment focused on quality and customer satisfaction. Knowledge and skills required for the position are: • • Minimum 10 years of recent experience in quality control position and/or underwriting of residential mortgage loans., • • Must have a complete and clear understanding and experience with state and federal lending regulations., • TRID, • Ability to Repay, • RESPA, • Reg B, • Reg Z

Loan Acquisition Analyst Position.The Momentus Capital branded family of organizations - which includes Capital Impact Partners and CDC Small Business Finance and Momentus Securities (an SEC-registered broker-dealer, MSRB-registered, FINRA/SIPC member) - are transforming how capital and investments

The Production Underwriter is primarily responsible for:. The Production Underwriter must be a team player, exhibit expertise and consistently exercise good judgment.

Summary: The Stop Loss Underwriter II plays a critical role in assessing and managing risks associated with medical stop loss insurance policies.

Job Description California Coast Credit Union takes pride in promoting financial prosperity to our members while continuously delivering stellar service! We are passionate about cultivating relationships within the educational and business communities and take a very active role in community activities. We offer beautiful surroundings and foster a positive work/life balance. Cal Coast is in tune to what's important to our valued employees. Our workplace Wellness Program provides opportunities for health, wellness and fun as does our Employee Activity Program. We boast of our employee friendly culture and our positive environment which supports recognition and rewards. Come be a part of our family! If you share the same interests and passions and possess the right credentials, then read on to find out more: JOB OBJECTIVE: This position is accountable for providing exceptional service with a focus on cross-selling financial products and services. Adheres to credit union’s policies, procedures and quality service standards. SUPERVISORY RESPONSIBILITIES: • This position reports directly to the Assistant Branch Manager (or Branch Manager, if no ABM). No employees report directly to this position. NATURE & SCOPE: • Meets/exceeds established monthly/annual sales and service goals., • Follows quality service standards to ensure exceptional quality service is provided., • Maintains a thorough knowledge of all products and services, policies and procedures., • Opens new accounts ensuring process and documentation are accurate and complete. Promotes and cross-sells CCCU products and services to members in order to encourage a long-term financial relationship with the credit union., • Processes consumer and real estate loans., • Ensures loan processing/documents are accurate and complete, that underwriter stipulations are met and appropriate information is documented., • Addresses difficult member situations and resolves in a positive manner., • Serves as a backup to Personal Financial Assistant or Teller., • May be required to maintain a cash drawer., • May serve as a notary., • Completes documentation to ensure compliance with internal policy and external regulations. Performs necessary steps to ensure BSA/AML compliance to reduce risk to the credit union., • Participates in activities to increase member growth and retention, to promote products and services and meet individual assigned goals., • Performs other relevant and related duties as required. EDUCATION, SKILLS, & ABILITIES: The Eight Superpowers 1. Provides leadership through modeling of behaviors and bringing forward new ideas and new ways of doing things., 2. Demonstrates empathy, self-reflection, and adjustment of own behaviors, showing effective emotional intelligence., 3. Practices active listening in communications with others, giving someone full attention and listening to understand, not just respond., 4. Demonstrates grit, persisting in application of knowledge, skills, and behaviors to achieve goals and address obstacles., 5. Models intrinsic motivation; is self-driven to meet or exceed objectives, timelines, and quality measures while building and sustaining effective relationships., 6. Applies creative problem-solving to provide clarity, handle resources under one’s control, and address stressful situations; finds ways to meet individual, team, and member goals, by navigating through barriers., 7. Shares a diverse set of perspectives, work and life experiences, as well as religious and cultural differences. Actively seeks out differences in values, ideas, and priorities. Respects and value the differences of others, including but not limited to: national origin, language, race, color, disability, ethnicity, gender, age, religion, sexual orientation, gender identity, socioeconomic status, veteran status, and family structures. Believes a diverse workplace is essential to the company’s success., 8. Values and shows appreciating for the unique qualities and experiences of each person-inclusion; appreciates and effectively utilizes the talents and skills of others to achieve objectives; is open to the perspective of others; and encourages collaboration, flexibility and fairness. Makes each employee feel valued and supported for their unique qualities. Other Education, Skills, and Abilities • Excellent communication skills; sound judgment, and attention to detail., • Previous experience with Microsoft Windows applications is preferred., • Ability to appear for work on time, follow directions from a supervisor, interact effectively with coworkers, understand and follow posted work rules and procedures, and accept constructive criticism., • Ability to operate standard business machines such as computer, printer, fax, copier and telephonic devices. MAJOR ACCOUNTABILITIES: • Ensure sales and service goals are met., • Process new accounts and/or loans accurately and completely., • Adhere to cash, key and dual control policies and procedures., • Adhere to security and robbery procedures., • Complies with all other policies and procedures. PHYSICAL REQUIREMENTS ENVIRONMENTAL CONDITIONS • Work is primarily performed within a cubicle office setting. Subject to standard background noise found in an office environment. Note: Staff is expected to perform various tasks, projects and administrative duties as assigned. Management reserves the right to assign or change duties and tasks to this position at their discretion. California Coast Credit Union is an Equal Opportunity Employer. Salary Range (Hourly): Personal Financial Rep l: $19.7490 - $24.6863 Personal Financial Rep ll: $21.5468 - $26.9339 Personal Financial Rep lll: $23.9440 - $29.9300

Underwriter Job Duties: Analyze financial data related to loan requests.

The Executive Underwriter role aligns with our mission to provide integrated, specialized, and comprehensive insurance products and services tailored to this unique industry via one multi-line underwriter. Mentors, coaches, and trains other underwriters and internal and external partners. Executive

Underwriter Job Duties: Analyze financial data related to loan requests.

Underwriter Job Duties: Analyze financial data related to loan requests.

Berkshire Hathaway Homestate Companies, Workers Compensation Division, has an immediate opening for an Underwriter in our San Diego, CA office. Chartered Property Casualty Underwriter (CPCU) designation a plus. Experienced Underwriter - Workers Compensation.

Underwriter Job Duties: Analyze financial data related to loan requests.

Commercial Underwriter to our growing team.

Underwriter Job Duties: Analyze financial data related to loan requests.

Senior Underwriter - Wholesale.

Underwriter Job Duties: Analyze financial data related to loan requests.

The Supervisor, Sr Underwriter is primarily responsible for risk evaluation including selection and retention of new and existing business in accordance with the company's underwriting philosophy. The Senior Underwriter/Supervisor develops and fosters positive, professional relationships with the co

Underwriter Job Duties: Analyze financial data related to loan requests.

Underwriter Job Duties: Analyze financial data related to loan requests.

We're looking for a senior underwriter! The senior underwriter is responsible for expertly reviewing and evaluating new and renewal business in accordance with established underwriting guidelines in order to achieve department goals. Senior Underwriter - Workers Compensation. Certifications: Charter

Underwriter Job Duties: Analyze financial data related to loan requests.

Underwriter Job Duties: Analyze financial data related to loan requests.

The Commercial Underwriter's primary responsibility is to produce and underwrite new and renewal commercial bond business while maintaining and building productive relationships with our network of independent agents and brokers.

Underwriter Job Duties: Analyze financial data related to loan requests.

PRMG is Built by Originators for Originators.There is a reason why PRMG is consistently voted one of the best places to work.We focus on the areas that make an Originator successful and have an unmatched Culture.We look forward to helping you succeed as an Originator.Develops and implements strategi

Successful candidates will have experience in an office setting.Position assists the business owners, management team and team members with a variety of tasks including processing invoices, collecting payments, customer service follow up, answering phones, using a multiple types software and interfa

Seeking participants for Focus Group and market research studies.Work part-time from home and earn up to $750 per week.Register to see if you are eligible.Administrative Assistant admin experience not required.Remote Work From Home Administrative Assistant Admin - Part Time Market Research Panelists

Outpatient Opioid Treatment Program (OTP) Administrative Assistant - Medical Billing.This is a shared floating position with 12 hours working at San Diego CTC:.Monday - Friday: 5:30 AM - 2:00 PM.Saturday: 7:00 AM - 10:00 AM (Occasional).Must be able to split time between Chula Vista CTC and San Dieg

Successful candidates will have experience in an office setting.Position assists the business owners, management team, and team members with a variety of tasks including processing invoices, collecting payments, customer service follow up, answering phones, using multiple types of software, and inte

Seeking participants for Focus Group and market research studies.Work part-time from home and earn up to $750 per week.Register to see if you are eligible.Administrative Assistant admin experience not required.Remote Work From Home Administrative Assistant Admin - Part Time Market Research Panelists

Successful candidates will have experience in an office setting.Position assists the business owners, management team, and team members with a variety of tasks including processing invoices, collecting payments, customer service follow up, answering phones, using multiple types of software, and inte

At Columbia, we create a great place to work by offering a unique brand of relationship banking and fostering a culture where associates thrive.We are dedicated to supporting our customers and communities, and we can only achieve this through the dedication of our employees.We value Trust, Ownership

Outpatient Opioid Treatment Program (OTP) Administrative Assistant - Medical Billing.This is a shared floating position with 12 hours working at San Diego CTC:.Monday - Friday: 5:30 AM - 2:00 PM.Saturday: 7:00 AM - 10:00 AM (Occasional).Must be able to split time between Chula Vista CTC and San Dieg

Work with internal teams including processors, underwriters, and closers to ensure files move efficiently toward established close and contingency dates.

Impact Lives, Impact Community.Do not wait to apply after reading this description a high application volume is expected for this opportunity.Family Health Centers of San Diego (FHCSD) is passionate about providing exceptional health care to all, especially underserved communities with limited healt

USA CA San Diego - 7676 Hazard Center Dr.USA NV Las Vegas - 4670 S Ft Apache Rd.Are you looking to help transform a company and an industry? As a Stewart employee, you'll be joining a company that is committed to helping you own, develop, and nurture your career while growing our company.We invest i

Seeking participants for Focus Group and market research studies.Work part-time from home and earn up to $750 per week.Register to see if you are eligible.Administrative Assistant admin experience not required.Remote Work From Home Administrative Assistant Admin - Part Time Market Research Panelists

Data Entry / Remote] - Anywhere in U.Competitive pay - As a Data Verification Analyst at Foundation AI, you will: Process, segregate, review, and validate data provided in various formats according to changing process requirements; Prepare, compile, and organize documents for data capture, ensuring

Role: Administrative Assistant.Purpose: Work and execute all aspects of front office operations, offer consistent and friendly internal/external customer service in accordance with company goals and guidelines, and provide administrative support to all areas of the business.Safety: All employees are

We are looking for an Administrative Assistant to join our team.This person should possess understanding of administrative processes, honed customer service skills and a passion for technology, new systems, and innovative business solutions in a variety of settings and inceptions.We value individual

Administrative Support Assistant.Since 1965, MAAC has been maximizing self-sufficiency with families and individuals through high-quality programs and advocacy in our communities.MAAC employs dedicated staff who provide life-changing services to thousands of individuals annually through programs in

Administrative Assistant I - Dar Administrative Services.Scripps Research is a nonprofit biomedical institute ranked as one of the most influential in the world for its impact on innovation.We are celebrating our 100-year legacy.This significant milestone marks a century of seminal discoveries in im

Air Treatment Corporation is a dynamic, collaborative work environment.We understand the expectations of high–quality customer service, therefore we actively search and promote a cohesive team that is formulated to exceed expectations.Air Treatment Corporation is a 100% employee-owned manufacturer

Join a Company with a Strong Purpose and Winning Culture.Are you ready to join a company with a strong purpose and a winning culture? Start your voyage with us.This position is responsible for conducting fundamental research, developing insight into future fixed income/credit performance, and issuin

Top Secret/SCI Program Support Coordinator.Serving as the central point of coordination for SIA program activities, meetings, and communications.Scheduling, coordinating, and facilitating recurring VTCs, working groups, and program meetings.Gathering input from technical and program team members to