Business Loan Relationship Manager

Salary : $3500 - $4,000 + Commission
Working days : Monday - Friday 930am - 630pm
Work Location: Chinatown

Job Responsibilities:

• Develop and maintain long-lasting relationships with clients, providing tailored loan solutions for both personal and corporate needs.
• Identify and cultivate new business opportunities, expanding our client base and generating revenue.
• Evaluate loan applications, assessing creditworthiness and risk, in compliance with company policies and industry regulations.
• Collaborate with the credit and underwriting teams to ensure accurate and timely loan approvals.
• Maintain a thorough understanding of the company's loan products and services, ensuring you can effectively address clients' needs.
• Attend networking events and industry conferences, representing the company and fostering new connections.
• Continuously stay informed of market trends and changes within the financial sector, adapting strategies and services accordingly.

Job Requirements

• With a minimum of 5 years of experience in loans sales or relationship management.
• Proven track record in loans sales, with a strong understanding of both personal and corporate loans.
• Experience in evaluating loan applications and assessing credit risk.
• Familiarity with industry regulations and compliance standards.

WhatsApp: https://wa.me/6591044149 (Shermaine)

Siah Sze Ming Reg No: R24125414

The Supreme HR Advisory Pte Ltd EA No: 14C7279

Sales Executive / Asst. Sales Manager (Instrument & Tools Div.)

Working Day: Mon to Fri

Working Hours: 9:00am – 6:15pm

Location: Pasir Panjang

Salary: S$ 3,240 - S$ 5,940 + performance bonus + allowances

Job Description

• Responsible to Biz. Development Manager (Marketing Manager or Management), you are required to support setting up operating goals to achieve the target set-forth by the company.
• Sales Executives are required to assist Biz. Dev. Manager/Sales Director in maintaining existing customers, developing new customers and contract negotiations.
• Identify and develop business opportunities by conduct sales presentation and product demonstrations in Sales & Marketing activities and exhibitions.
• Liaise with R&D personnel to enhance presentation on new features for new and existing products whenever enabled by new technologies.
• Liaise with factories for production forecast, quality, delivery, engineering issues and pricing to support sales goals and align with company strategic and operational direction.
• Negotiate and ensure timely response to follow up customers’ enquiries, generating quotation, and after sales support and services.
• Administrative activities on planning & budgeting for exhibition/tradeshow and advertisements needs for brand development.
• Provide accurate weekly, monthly Sales Activities reports, Sales Projection/forecast reports, Quarterly Sales Reports to divisional sales manager.
• Subjected management’s approval, propose plans to visit existing and new customers to resolve issues, increase sales orders, negotiate price, or understand market condition, customer expectations and feedback.
• Others functions and responsibilities not specified herewith but are deemed necessary to achieve the company sales and marketing objectives.

Job Requirement

• Sales experience of at least 3 years B2B and B2C in electronics products.
• At least possess a diploma in engineering or marketing/business studies
• Expect to travel to U.S., Japan, Europe & the region.
• Frequency of Business trip - approx. once every 1-3 months for about one week.

WhatsApp: https://wa.me/6591044149 (Shermaine)

Siah Sze Ming Reg No: R24125414

The Supreme HR Advisory Pte Ltd EA No: 14C7279

Sales Executive / Asst. Sales Manager (Instrument & Tools Div.)

Working Day: Mon to Fri

Working Hours: 9:00am – 6:15pm

Location: Pasir Panjang

Salary: S$ 3,240 - S$ 5,940 + performance bonus + allowances

Job Description

• Responsible to Biz. Development Manager (Marketing Manager or Management), you are required to support setting up operating goals to achieve the target set-forth by the company.
• Sales Executives are required to assist Biz. Dev. Manager/Sales Director in maintaining existing customers, developing new customers and contract negotiations.
• Identify and develop business opportunities by conduct sales presentation and product demonstrations in Sales & Marketing activities and exhibitions.
• Liaise with R&D personnel to enhance presentation on new features for new and existing products whenever enabled by new technologies.
• Liaise with factories for production forecast, quality, delivery, engineering issues and pricing to support sales goals and align with company strategic and operational direction.
• Negotiate and ensure timely response to follow up customers’ enquiries, generating quotation, and after sales support and services.
• Administrative activities on planning & budgeting for exhibition/tradeshow and advertisements needs for brand development.
• Provide accurate weekly, monthly Sales Activities reports, Sales Projection/forecast reports, Quarterly Sales Reports to divisional sales manager.
• Subjected management’s approval, propose plans to visit existing and new customers to resolve issues, increase sales orders, negotiate price, or understand market condition, customer expectations and feedback.
• Others functions and responsibilities not specified herewith but are deemed necessary to achieve the company sales and marketing objectives.

Job Requirement

• Sales experience of at least 3 years B2B and B2C in electronics products.
• At least possess a diploma in engineering or marketing/business studies
• Expect to travel to U.S., Japan, Europe & the region.
• Frequency of Business trip - approx. once every 1-3 months for about one week.

WhatsApp: https://wa.me/6591044149 (Shermaine)

Siah Sze Ming Reg No: R24125414

The Supreme HR Advisory Pte Ltd EA No: 14C7279

(North East Region)

Highlights:

• Basic + AWS + VB
• Freight Forwarding industry preferably in the Oil and Gas, EPC and/or Marine industry.

RESPONSIBILITY

• Identify, acquire, develop and expand customer base in the different verticals within the Oil and Gas, EPC and/or Marine industry.
• Conduct presentation on proposals and deliverables to promote and achieve sales closure.
• Evaluate customer requests, provide solutions and price quotations.
• Follow up with customers/prospects on the RFQs/enquiry status.
• Customer relationship building and manage customers’ expectations by conducting regular visits and facilitating exchange correspondences.
• Keep abreast of market and industry development and give regular feedback and recommendation to internal organisation.
• Attend related industry events and exhibitions to build relationships and generate new business opportunities.
• Manage sales pipeline and accurately forecasting sales revenue

REQUIREMENT

• Min Diploma holder / Degree
• Must have min 3 years Sales experience in Freight Forwarding industry preferably in the Oil and Gas, EPC and/or Marine industry.
• Highly motivated and a goal getter
• Solution Driven
• Team player with strong interpersonal and communication skills

HOW TO APPLY:

Interested applicants, please click on “Apply Now”.

We regret only shortlisted candidates will be notified.

Important Note: Trust Recruit Pte Ltd is committed to safeguarding your personal data in accordance with the Personal Data Protection Act (PDPA).

Please read our privacy statement on our corporate website www.trustrecruit.com.sg.

Trust Recruit Pte Ltd

EA License No: 19C9950

EA Personnel: Chris Poh Tze Zheng

EA Personnel Reg No: R24120101

WhatsApp: +65 90820021 (Kyler)

Email: [email protected]

Working Days: Mon-Fri

Working Timing: 09.00 - 06.00

Working Location: Paya Lebar

Starting Salary: $5,000 -$8,000

Key Responsibilities:

• Develop and implement strategic marketing plans to achieve company objectives and targets.
• Conduct market research and analysis to identify trends, opportunities, and competitive positioning.
• Collaborate with product management and sales teams to develop marketing collateral, sales tools, and promotional materials.
• Manage digital marketing efforts, including website optimization, email campaigns, SEO/SEM, and social media marketing.
• Oversee the creation and distribution of compelling content across multiple platforms, including blog posts, whitepapers, case studies, and videos.
• Measure and analyse marketing performance metrics to track ROI and optimize campaign effectiveness.
• Stay updated on industry trends and best practices to continually improve marketing strategies and tactics.
• Lead, mentor, and develop a high-performing marketing team to achieve departmental goals and objectives.
• Contribute to strategic decisions around the future direction of company’s products.

Requirements:

• Bachelor degree in Marketing, Business Administration, or related field.
• 3 years of experience in marketing roles, with a proven track record of success in developing and executing marketing strategies.
• Strong understanding of digital marketing channels and tools, including Google Analytics, CRM software, and marketing automation platforms.
• Up-to-date with the latest trends and best practices in online marketing and measurement

The Supreme HR Advisory Pte. Ltd | 14C7279

Gan Kai Le | R23112683

Benefits:

• Basic Salary up to $5,500 with yearly increment based on performance.
• Week 1 (6 working days), Week 2 (5 working days), Week 3 (6 working days), Week 4 (5 working days) – Depending on roster basis
• Working timing: 8am to 5pm

Job Description:

This is a full time role for an Operation Manager located in Geylang Bahru. Our client is one of Singapore's Leading Specialists for Buddhist funeral services and you will be responsible for conducting morning briefings, delegates duties to Team Leaders, and provides budget updates to the Finance Department. They oversee the preparation of monthly schedules, consolidate feedback from teams, families, and clients, and ensure quality control of standards, rituals, and customs. They improve operational systems and processes, review SOPs for efficiency, plan and review compensation actions, and enforce policies. They manage the welfare and health of operations staff, handle HR matters such as leave approval and overtime, oversee recruitment and interviews, and perform other ad-hoc duties as assigned by the Managing Director.

Qualifications:

• Strong Leadership skill
• Self- driven, resourceful
• Excellent communications and interpersonal skills
• Able to work in a face paced environment
• Strong team player, patient and able to provide guidance to large team of staff

• Project Manager
• Project contract based (start from 29 Jan, estimated 27 months until project completion)
• Work Location: Changi Naval Base, Project Office at Maude Rd (Lavender area)
• Working days: 5.5 days 8am to 5pm, alt sat full day
• Salary: $9000 to $13000 (depends on experience)

Requirement

• Masters/Degree in Civil & Engineering or equivalent, recognized universities under the BCA is a plus.
• Minimum 10 years of Experience. Experience in Civil Works, Dredging, revetment, construction of pier/wharf.
• Proficient in Microsoft Office, MS Project, Primavera and AutoCAD.

Job scope

• Carry out project planning, scheduling, cost control, good documentation system and project management.
• Meet with clients to take detailed ordering briefs and clarify specific requirements of each project.
• Responsible to participate in the contract review to evaluate company’s capability to fulfil contract order requirements that include involvement in the tender clarification meeting with the prospective client.
• Ensure that all aspects meet the government regulations and standards, including safety of works, inspections and testing of equipment and machinery, training needs of staff.
• Control and monitor work progress and ensure work quality.
• Oversee the effective management of project activities to assure timely delivery and low wastage.
• Overall planning and controlling of the cost of project execution.
• Manage and lead a group of engineers and construction managers.
• Overall co-ordination of the work progress of large and complex projects.
• Co-ordination with other departments on issues affecting project work.
• Liaise with government/statutory authorities, consultants, clients, suppliers etc.
• Provide timely project progress reporting to management.
• Attending project execution meetings.
• Responsible for application for the required consent / permits from the relevant statutory board or regulatory body – e.g. Port Singapore Authority (PSA), ministry of manpower.
• Detect project problems and ensure effective corrective measures are executed.
• Other ad-hoc duties required to carry out.

WhatsApp: +65 9642 0989 (Han)

Email: [email protected]

Chaw Chiaw Han, Reg No：R22106723

The Supreme HR Advisory Pte Ltd, EA No：14c7279

• Well Established Company
• Basic $6000 - $6500 + AWS + Variable Bonus
• Excellent Welfare and Benefits + Career progression
• Working location: Boon Lay
• Working day: Monday to Friday
• Working hours: 8.30am to 5.30pm
• CPA | CA | CMA
• Experience in manufacturing costing, and supervisory experience.

Job Responsibilities:

• Assist the Group Finance Director in developing, implementing and monitoring the compliance of internal control policies and procedures
• Review consolidated financial statements, management reports and budget variance analysis of the Group
• Ensure all financial, accounting and analytical reports are prepared according to the management policies and accounting standards
• Coordinate, participate and deliver insights into the financial reports in the management meeting and board meeting
• Manage relationship with external auditors for financial audits
• Complete and submit all GST returns and ensure compliance
• Review CIT returns to be submitted by Tax Agent
• Lead the preparation of annual budgets, analysis and presentation to Management
• Oversee the costing function for the manufacturing activities in Singapore
• Supervision of local & overseas Accounts staff with full spectrum of accounting responsibilities
• Perform any other tasks as the need arises

Job Requirements:

• Possess minimum Bachelor’s degree in Accounting, Finance or related field with 3 to 5 years of working experience, including experience in manufacturing costing, and supervisory experience
• Current CA/CMA/CPA membership or equivalent would be an added advantage

Candidates are encouraged to apply this position via Apply Now button with the following information in the resume

• Work experiences and job responsibilities
• Current and Expected salary
• Reason for leaving
• Date of availability
• Education background

We regret that only shortlisted candidates will be contacted.

LIONG ZHAO GUAN (R22107632)

EA Recruitment Pte Ltd

EA License No: 21C0492

• Position : Credit Control/Debt Manager (Purchase Hire-Automotive/Consumer Finances)
• Location : Sin Ming Drive
• Working hours : Monday - Friday 9am - 6pm
• Salary (commensurate with experience) : Up to $6500 + AWS + Performance Bonus + 14 Days Annual Leave
• Duration : Permanent
• Industry : Automotive/Automobile

Main Responsibilities:

• Execute and oversee the collections department’s daily operational activities
• Develop and implement effective collection strategies to minimise delinquency rates and reduce bad debt.
• Analyse collection metrics to identify areas for improvement and ensure targets are met.
• Collaborate with other departments to enhance overall customer experience and resolve issues
• Manage communication with customers regarding overdue accounts, using a balanced approach of firmness and empathy.
• Resolve escalated customer complaints and negotiate payment arrangements or settlements.
• Develop customer retention strategies to enhance loyalty and minimise defaults.
• Ensure adherence to legal and regulatory requirements related to collections and hire purchase agreements.
• Maintain accurate records of customer interaction and payment agreements.
• Identify and implement process improvements to streamline collections operations and to enhance efficiency.
• Stay updated on industry best practices.
• Liaise with solicitors regarding collections disputes and escalations.
• Other ad-hoc activities assigned

Requirements:

• Minimum 5 years’ proven collections experience in the hire purchase or financial services industry
• Minimum Degree or equivalent qualification
• Strong knowledge of the Hire Purchase Act is a plus
• Bilingual in English and Mandarin to converse with Mandarin speaking associates

Email to: [email protected] or call me at: 6398 5682 for more information.

Do visit www.facebook.com/search.personnel and https://www.instagram.com/search.personnel for more job listings and career tips!

***We do not charge our candidates any referral fee nor bind them with any contract.***

Diana Okta Tio

Deputy Consulting Director (APAC)

Reg no.: R2094678

EA No: 13C6684

Thank you for your interest in this position. Our shortlisting period is 3 working days. Only shortlisted candidates will be contacted for further consideration.

If you do not receive communication from us within this timeframe, it's likely that your application has not been shortlisted by our client. In such cases, we recommend that you continue your job search to maximize your opportunities. We wish you all the best and should we have any suitable roles that match your experiences/ qualifications/ preferences, we will reach out to you.

*Seeking for a Credit Risk Senior Manager/Deputy Head who has minimum 8 years of experience in Credit analysis dealing with Local Corporates/Large Corporates/MNC (Corporate Banking experience)*

THE COMPANY

Renowned for their solid brand and bank’s culture, the company is well-received and accepted by their employees. The bank is currently seeking for a Credit Risk Senior Manager/Deputy Head to be part of their team.

JOB RESPONSIBILITIES

• Conduct Credit reviews/give Credit approval
• Handle stress testing and portfolio management
• Perform cash flow projections
• Propose Credit recommendations
• Perform industry and economic analysis
• Ensure compliance to credit policies
• Liaise with Credit committee
• Collaborate effectively with other internal and external stakeholders

JOB REQUIREMENTS

• Degree in Business Major in Finance/Economics/Commerce/Accountancy or ACCA or any other relevant education
• Minimum 8 years of experience- Credit analysis in Local Corporates/Large Corporates/MNC (Corporate Banking experience)
• Highly analytical, focused, has good interpersonal and communication skills

If you will like to explore this opportunity, please email your resume in Microsoft Word format to [email protected]

We thank you for your interest and will contact shortlisted candidates for more detailed discussion.

For more job openings, please visit our website at https://resolutehunter.com/opportunities/

EA Licence 18C9105

EA Reg R1105305

Highlights:

• Experience in set out new web3 financial product/ platform from product design
• Experience in Crypto Financial Product / change traditional financial product into Crypto
• Liaising with Chinese Parties

Job Responsibilities:

• Lead the design, market research, and positioning of Web3 financial products.
• Understand and analyse customer needs to create financial products that meet market demands.
• Collaborate closely with the technical team to ensure the feasibility of product designs and optimize user experience.
• Manage the product development lifecycle, including requirement gathering, feature planning, iterative development, and product launch.
• Oversee risk management, monitor product performance, conduct data analysis, and implement product iterations based on market feedback.
• Create and maintain product documentation, including whitepapers, user manuals, and marketing materials.

Job Requirements:

• Over 3 years of experience in financial product design or management; experience in Web3 or blockchain is preferred.
• Strong understanding of financial markets and products, including but not limited to DeFi and crypto asset management products.
• Excellent communication and problem-solving skills.
• A keen interest in emerging technologies.

HOW TO APPLY:

Interested applicants, kindly send your resume in MS WORD format or please click on “Apply Now”.

We regret only shortlisted candidates will be notified.

Important Note: Trust Recruit Pte Ltd is committed to safeguarding your personal data in accordance with the Personal Data Protection Act (PDPA).

Please read our privacy statement on our corporate website www.trustrecruit.com.sg.

Trust Recruit Pte Ltd

EA License No: 19C9950

EA Personnel: Lee Jun Siong (Johnson)

EA Personnel Reg No: R24120242

Our client is from Construction industry. Due to their current expansion plan, they are looking for a HSE Manager to join their team, in hopes of developing the current high performing team. They are located in the Central.

Job Responsibilities

• Provide guidance to management on Environmental, Health, and Safety (EHS) regulations and legal requirements.
• Ensure compliance with statutory requirements such as the WSH Act and Regulations.
• Assess and enhance the company's safety performance through continuous improvement measures.
• Review safety resources and recommend improvements to meet EHS standards.
• Coordinate monthly safety site inspections with senior management and project teams.
• All other adhoc duties as assigned.

Requirements

• Min Degree in Relevant Qualification in Workplace, Safety and Health
• Min 8 years relevant working experience in Construction Engineering Industry.

Interested candidates who wish to apply for the advertised position, please click APPLY NOW or email an updated copy of your resume/cv.

We regret that only shortlisted candidate will be notified.

Email: [email protected]

Recruitpedia Pte. Ltd.

EA License No. 19C9682

EA Reg. No. R23115553 (Lai Hor Yan)

Responsibilities:

• Manage documentation of new incorporations and new fund establishments; support ongoing company and fund maintenance; review subscription and redemption agreements and maintain books & records for companies & funds; manage fund subscription and redemption; manage Board and Investment Committee meetings, minutes, and resolutions; annual corporate secretarial updates.
• Maintain accounts with banks and brokerages, including opening accounts, responding to bank queries, and preparing regular reviews.
• Oversee IT providers to implement security features and back-ups, and maintain websites.
• Manage purchase and sale of real assets, maintain inventory lists, and manage valuations.
• Manage new client onboarding and existing client reviews of KYC/AML/CFT/SOW/SOF; review transactional flows based on risk level and assessment.
• Prepare and submit regular reports to regulators (e.g. MAS, CIMA, BVIFSC) and authorities (e.g. CRS, FACTA, ES).
• Develop, maintain, update, and ensure adherence to a comprehensive risk management framework that integrates regulatory requirements, internal policies, and industry best practices.
• Continuously monitor and analyze regulatory updates, assess potential risks, and implement proactive strategies to ensure operational resilience and excellence.

Requirements:

• Experience in the operational administration of companies
• At least 5 years of working experience in Administration and Operations.
• Prior experience in Compliance and Internal Audit is a huge plus.
• Proactively anticipate, troubleshoot, overcome, and/or escalate client and product needs/issues
• High sense of urgency and good time management to prioritize tasks

We regret that only shortlisted candidates will be notified.

EA License No.: 01C4394 (PERSOLKELLY Singapore PTE LTD)

By sending us your personal data and curriculum vitae (CV), you are deemed to consent to PERSOLKELLY Singapore Pte Ltd and its affiliates to collect, use and disclose your personal data for the purposes set out in the Privacy Policy available at https://www.persolkelly.com.sg/policies. You acknowledge that you have read, understood, and agree with the Privacy Policy.

Location: Near Tai Seng MRT
Salary: $5,000 - $6,000
Working Hours: 11:00 AM to 6:00 PM (Monday to Friday)

Job Summary

We are looking for an experienced Finance & Accounting Manager to lead a small team in overseeing financial operations and ensuring compliance with regulatory standards. This role involves budgeting, forecasting, and collaboration with external stakeholders, including auditors and tax consultants.

Key Responsibilities

• Lead and manage a team of two to handle financial operations, including weekly payments, collections, and month-end/year-end closings.
• Review and approve reconciliation schedules, journal entries, invoices, payment listings, cashflow analyses, and GST/VAT reports.
• Oversee budgeting, forecasting, and financial analysis to support business planning.
• Collaborate with various departments to resolve accounting-related issues efficiently.
• Ensure compliance with internal financial controls and procedures.
• Act as the liaison with external auditors, corporate secretaries, bankers, and tax consultants.
• Identify and implement process improvements to enhance internal controls and automate data workflows.
• Support new processes and system implementation initiatives.
• Coordinate with HR and other teams to ensure smooth financial operations.
• Serve as the main point of contact for finance and accounting-related queries.

Requirements

• Bachelor’s degree in Accounting, Finance, or a related field.
• At least 5 years of relevant experience, with a minimum of 2 years in a managerial role.
• CPA, ACCA, or equivalent professional certification is preferred.
• Strong knowledge of financial processes, reporting standards, and GST/VAT regulations.
• Demonstrated experience in budgeting, forecasting, and financial analysis.
• Proven ability to manage relationships with external stakeholders such as auditors and tax consultants.

Interested applicants: Please send your resume to [email protected].

Tan Li Lian
EA License No.: 01C3135
Registration No.: R1100465

A Business Development Manager (BDM) will be responsible for driving the growth of our company by identifying new business opportunities, fostering relationships with potential partners, and expanding the company's market presence. He/she will play a critical role in improving the organization’s revenue by developing strategies to increase sales, penetrate new markets, and enhance customer engagement.

Job Description:

• Identifying Business Opportunities: Researching potential clients, new markets, and trends to find opportunities for growth.
• Building and Maintaining Relationships: Developing and nurturing relationships with clients, stakeholders, and business partners.
• Sales and Negotiation: Leading negotiations with potential clients, closing deals, and ensuring mutually beneficial agreements.
• Strategic Planning: Developing and implementing strategies to achieve business development goals, including expanding into new territories or markets.
• Collaborating with Teams: Working closely with marketing, product development, and operations to ensure alignment with business objectives.
• Monitoring Competitors: Keeping an eye on competitors and their market movements to stay ahead.
• Achieving Targets: Meeting or exceeding sales targets and performance metrics set by the organization.

Technical Skills and Competencies:

1. Good client management skill.

2. Exceptional team management skill.

3. Proficiency in Microsoft Word, Excel and Powerpoint.

4. Market knowledge with up to date market practises.

5. Highly organized and time-management skills.

6. Strong communication and negotiation skills

7. Market research and analytical abilities

8. Strategic thinking and planning

9. Relationship management

10. Sales and marketing expertise

SG United Mid-Career Pathways Programme

Duration of Attachment / Traineeship: 6 months

Approved Training Allowance - $3,800

Singaporeans and Permanent Residents, Mid-Career Individuals (aged 40 and above)

Basic up to $4000 Plus allowance and Commission

Banking working environment

Entry level into the banks

Fantastic Career Progression

Description

• Highly motivated individuals to promote and acquire New to Bank and existing customers by cross-selling the value propositions of banking facilities such as credit cards, banking accounts, or fund transfer programs to various consumer segment
• Engage & build good relationships with customers, generate sales referrals & deliver good client experience
• Good follow-up skills and ensuring customers' applications and documentation are completed for processing timely
• Requires to meet performance standards, business goals, and sales targets
• Able to present effectively and communicate comfortably to customers face-to-face or through telemarketing activities

Qualifications

• Minimum Diploma qualifications
• The candidate must be confident, meticulous, possess good interpersonal and follow-up skills
• Candidate needs to have good communication & customer service skills
• Sales-oriented and self-motivated candidate to excel in sales targets and goals
• A team player with the ability to multi-task & thrive in a banking sales environment
• Computer literate, proficient with use of MS Office & Outlook
• Candidates without sales experience may apply

For faster response, please email your updated resume in MS Words format with the following details to [email protected]

1) Last Drawn Salary
2) Expected Salary
3) Recent Photo
4) Reason(s) for Leaving
5) Availability Period
6) References

Steven Chan
Registration No: R1105423
EA License No: 08C5257

Assistant Contract Manager / Senior QS [M&E Industry]

Basic: $4,000 - $6,000
Working Hours: 5 Days Mon-Fri (830am to 530pm)
Location: Jalan Kilang Timor, Redhill (Office)

Job Responsibilities

• As part of Tender/Contracts Team responsible in Pre/Post-Contracts administration
• Prepare and analyze cost comparison
• Obtaining quotations, liaising and negotiate with sub-contractors and suppliers
• Prepare Variation Orders, claims, final accounts, settlement and sub-contractor payments
• To assist in contract administration, prepare progress claim(s) and liaise with the Client’s representative.
• Review and preparing of response for claims and variation costs;
• To compile subcontractor quotations and submit for review and approval;
• To review and verify the Subcontractor’s / Supplier’s claims and prepare payment certificates and to obtain approval from various approving parties;
• Preparation of final accounts and variation submissions;
• Any other contracts management related job

Requirements:

• Degree / Diploma in Quantity Surveying / Building or equivalent from a recognized University.
• Minimum 5 years of related working experience in industrial projects.
• Good working knowledge in Mechanical and Electrical.
• Good knowledge of Singapore health and safety rules and regulations.
• Good knowledge of materials and works for site usage
• Good knowledge on local pricings

The Supreme HR Advisory Pte Ltd || 14C7279

R22111009 Cheng Kai Ling

JOB SUMMARY

• The purpose of the role is to manage delivery of regulatory requirements and support governance and control within the OCIR and FMI function in Group Resilience. The individual supports the Head of OCIR & FMI and will work closely with key stakeholders in Group and Regional Resilience teams, across Business and Functions, Operational Risk, Recovery and Resolution Planning (RRP) and other functions to ensure that the requirements of the regulations are monitored and delivered effectively so as to maintain ongoing regulatory compliance.
• Operational Continuity in Resolution is a key element of the broader Recovery and Resolution Planning initiative, the G20 Financial Stability Board’s effort to eliminate the problem of “Too Big to Fail” Banks. OCIR & FMI aim to ensure that in a Resolution Scenario, Standard Chartered can run on in an orderly fashion until it’s restructured, without negatively impacting the financial system or the wider economy of the countries we operate in.
• For FMIs specifically, this role will require engagement with Transaction Banking, Retail Banking, Financial Markets, Technology & Operations to ensure the resolution readiness of our key clearing and settlement arrangements both internally and externally. Additionally, engagement will be required with our key functional stakeholders in Technology, Operations, Treasury, Risk, Finance and Compliance to support our deliverables.
• Contract Duration - 12 months

RESPONSIBILITIES

Strategy

• Support TTO Strategy in whatever we undertake and for our deliverables i.e. improving client experience and ROTE

​​​​​​​Business

• Understand and continuously improve data sources to provide regular reporting of key OCIR and FMI metrics driving engagement, risk management and deliverables
• Partner with the FMI Owners to support contingency planning for our critical and high priority FMIs

Processes

• Support regulatory engagements and country regulatory requirements, e.g. BoE/PRA bilateral meetings, bi-annual CMG, etc.
• Support OCIR main processes which include Critical Economic Functions (CEF) assessment, maintenance of the OCIR Service Catalogue and OCIR & FMI Playbook and Scenario Testing
• Support strategic change initiatives for OCIR, FMI and Group Resilience
• Drive continuous improvement initiatives for process efficiency and supporting customers/stakeholders

People & Talent

• Considering a significant dependence on stakeholders for the deliverables, to ensure effective and collaborative engagement, living the value of “better together”. Being a relatively senior member of the team, need help grow the team both in Singapore and GBS Malaysia.
• Risk Management
• Drive the design, monitoring, review and reporting of risk and controls within the OCIR Function aligned to the Operational and Technology Risk Type Framework (O&T RTF). Report any non-compliance to senior management and Non-Financial Risk Committees (NFRC) through periodic metrics, residual risk assessment and treatment plans.
• Support the actions for the 6 pillars of OCIR and the 5 principles of FMIs for ensuring the continuity of operations in a resolution scenario:
• Critical Economic Functions (CEFs) and Core Business Lines (CBLs)
• Service catalogue – a database covering bank’s operating model and the recording of dependencies
• Playbooks – a set of actions to be taken during a resolution scenario
• Financial resilience – support through adequate financial resources to support continuity of critical functions
• Contracts readiness to ensure our critical third parties and property leases continue to provide services and access respectively
• FMIs – continuity of critical clearing and settlement arrangements along the 5 principles (inventory of FMIs, criticality assessment, mapping, usage and contingency planning)

Governance

• Support the implementation of Client Service Resilience Policy and ensuring OCIR mandatory control statements are included in the policy, with control assessments implemented.
• Drive the creation of OCIR Standards aligned to ERMF and engage Business and Functions to ensure OCIR & FMI roles and responsibilities are understood and appropriately implemented and supported
• Provide inputs and help drive engagement with RRP for managing resolvability for the bank and ensuring the interlinkages across barriers is managed.
• Support interpretation and impact analysis of emerging regulations
• Build and ensure delivery of workplans to enable regulatory compliance

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group’s Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders

• Group Businesses and Functions
• Country CEOs and Business Teams
• Group Resilience
• Group and Country COOs
• Global and Country Process Owners
• Group and Country Recovery & Resolution Planning teams

Our Ideal Candidate

• 10 plus years relevant experience, within the financial services and with good understanding of resolution, resolvability and resilience regulations
• Understanding of Standard Chartered Group’s Businesses, footprint, and operating model
• Strong knowledge of Operational and Technology Risk Type Framework, risk governance and controls will be preferred. Well versed in the RCSA end-to-end process.
• Ability to engage and influence stakeholders across Businesses, Functions and Countries
• Excellent written and verbal communication skills to communicate with Business and Functions, Group and Regional stakeholders. Confident in communicating with senior management
• Experience with ‘agile’ ways of working and be comfortable working in ambiguity
• Strong analytical skills and ability to analyse, prioritise, make decisions while working with tight timeframes
• Must be a self-starter who is able to initiate and successfully drive programmes and projects to completion with minimum management supervision.
• Contract Duration - 12 months

Role Specific Technical Competencies

• Knowing and understanding the bank’s organisation structure, products and policies, especially operational risk
• Stakeholder Engagement
• Communication
• New ways of working
• Analytical and data quality framework

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

Recruitment Assessments

Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

Visit our careers website www.sc.com/careers

Project Management Delivery tasks such as approach and plan definition, status tracking, issue and risk identification and resolution, resource planning, and governance execution.

Will be able to understand and follow the process of the banking system development or implementation project.

- Japanese & English Language Skills

Must read, write and speak Japanese at a high level (native / JLPT N1 or higher) to engage with our Japanese-speaking clients and stakeholders.

Must speak English at a high level (business English) to communicate with team members from diverse cultural backgrounds.

- Banking Operation or Systems Knowledge and Experiences (as possible)

Will be able to understand the banking system structure, and high-level banking business.

- Others

Cheerful, good communication skill, able to work with team cohesively with high spirit

Highly self-motivated, enthusiastic and able to work effectively with teams that have diverse IT aptitudes and cultural backgrounds.

Attention to detail and highly organized, process-focused attitude.

Good conceptualization and analytical skills, enabling. Comprehension and development of solutions for complex business issues.

Ability to manage short, medium, and long-term planning horizons con

Salary range: $5000 to $7000
Working hours: Mon – Fri, 8:30am – 10am to 5pm – 6pm(flexible) 7.5 hours/day
Working location: Odeon Towers

Job Description

• Manage full set of accounts for the business and Japan holding company’s needs
• Lead and guide Accounts Team on daily operations (GL, AR, AP, intercompany balances, transactions and cash-flow, staff’s claims reimbursements etc.)
• Provide business analysis, consolidation of monthly/quarterly/yearly financial results and support production of yearly budgets and revenue forecast
• Monitor, assess and ensure timely and accurate transaction for closing of monthly/quarterly/ yearly reporting of financial and management reports, as well as prepare financial reports for Japan HQ
• Review consolidation package done by subsidiary companies and report to Japan HQ
• Support communication with Japan HQ and subsidiary companies when required
• Review and support the accounts of subsidiary companies
• Reconcile, process and report all costing, Accounts Payable (AP), Accounts Receivable (AR) activities
• Ensure tasks are carried out in compliance with operating standards, company rules & regulations and statutory requirements
• Ensure accurate and timely filing of statutory reports
• Maintain fixed assets processes and procedures (including disposal, verification and depreciation of fixed assets etc.)
• Coordinate with external auditors, tax agents, bankers, company secretary etc. on annual statutory audit and tax matters
• Assist in management of transactions related to bonds and fixed deposit
• Handle J-SOX, internal control related queries and reporting required by Japan holding company
• Handle FRS116 accounting and review on new leases
• Handle Company’s tax reporting (GST, Corporate tax submission, withholding tax etc.)
• Liaise with HR regarding verification of payroll and CPF matters
• Liaise with respective business units to understand financial information needs in order to work out efficient and effective solutions
• Any ad-hoc duties as assigned

Requirements

• Min 5 years of hands-on experience in full set of accounts is required
• Min Bachelor’s Degree in Finance/Accountancy (candidates with CPA or CA certification will be a plus)
• IT savvy, including proficiency in Microsoft Office (Excel and Word) and Oracle NetSuite
• Experience in managing team(s)

Interested personnel kindly contact WhatsApp: https://wa.me/6592994753 (Marcus)

Tan Meng Liang Reg No: R23115923

The Supreme HR Advisory Pte Ltd EA No: 14C7279

Details of the Division and Team:

The Business Product Specialist participates in the product planning and execution throughout the product lifecycle for new or existing products. The role encompasses a broad set of activities required to get the product (or set of products) to market and to support it thereafter. The Business Product Specialist participates in business case development and business analysis to identify how value is created, specific price points and analysis of market sizing / potential. The Business Product Specialist assists in gathering and prioritizing product and customer requirements to define the product vision. Collaborates with internal stakeholders to ensure revenue and customer satisfaction goals are met. Partakes in product strategy formulation to generate competitive advantage for clients and drive value creation. Conducts regular product reviews to resolve any obstacles and issues that may arise during a product’s lifecycle. Provides ongoing analysis of the product in the marketplace, articulates the needs of the market, reports competitor activity and plans development of future releases. Works to ensure the product supports the company’s overall strategy and meets legal and regulatory compliance. In the absence of a dedicated product marketing specialist, the Business Product Specialist assumes the marketing responsibilities.

What we will offer you:

A healthy, engaged and well-supported workforce is better equipped to do their best work and, more importantly, enjoy their lives inside and outside the workplace. That’s why we are committed to providing an environment with your development and wellbeing at its center.

You can expect:

• Flexible benefits plan including virtual doctor consultation services
• Comprehensive leave benefits
• Gender Neutral Parental Leave
• Flexible working arrangements
• 25 days of annual paid leave, plus public holiday & Flexible Working Arrangement

Your key responsibilities:

• Work in close cooperation with teams across the Corporate Cash Management business, such as Country Product Management, Sales and Coverage, Implementation and Services and other corporate functions covering IT, Operations, Compliance, Risk et. al. to develop the Instant Payments product offering across the region
• Assess market and regulatory drivers in a market of interest, articulate the business value to facilitate prioritization of product delivery by Business stakeholders
• Work with IT delivery and Architecture teams to articulate business and regulatory requirements and end-to-end user-journeys. Engage in technical and functional discussions to shape product design in line with the Bank's strategic roadmap for Instant payments
• A key responsibility would be to own the end-to-end payment and data flows to ensure compliance with data controls, completeness and risk management for Instant payments in APAC
• Manage product life-cycle post-delivery for incremental enhancements and changes as necessary. Ensure ongoing compliance of the Product with Deutsche Bank policies and risk profile and manage product governance through periodic Product Risk Assessment (PRA), Structured Product Reviews (SPR) and audits
• Be an Agile change agent within the Bank to push Agile product delivery
• Support the Quarterly Business Review (QBR) planning and commitment of the Instant Payments Squads and ensure delivery in line with CCM prioritization
• Influence decisions on Market Strategy, Platform Strategy, Client Engagement and implementing Innovative technology-based solutions
• Work closely with in-country business and client-facing teams to evaluate emerging client use-cases and actively support solutioning of such use-cases through the Instant Payments product suite
• Drive commercialization and profitability assessment of products in scope, and reporting the same to senior stakeholders periodically

Tribe specific tasks:

• Understand CCM Priorities and plan delivery based on available capacity to ensure the right sized delivery commitments of the dedicated Squads
• Support the Quarterly Business Review (QBR) planning and commitment of the Instant Payments Squads and ensure delivery in line with CCM prioritization
• Work on Tribe Memo and track achievements of the previous quarter
• Manage Dependencies, Risks and Issues in close interaction with the Tribe Lead

Your skills and experience:

• An ideal candidate for this role is expected to have about 5 years of product experience building payments systems of scale, with good knowledge of end-to-end Payment’s value-chain, including but not restricted to technology, operations, regulatory, compliance and risk aspects of handling Payments
• A working understanding of atleast 1-2 real-time payments schemes in the APAC region is a must
• Prior experience of working with corporate clients to implementing API-based integration with the Bank’s payment products and channels is a must
• Experience on product life-cycle management across different business areas, such as Sales, Implementation, Product Management, Ops and IT
• Experience having worked in Agile delivery setups at scale
• Capable of independent and pragmatic work style, guaranteeing high degree of solutions and delivery achievements
• A team player with good interpersonal skills and able to take initiative.
• Effective and concise communicator at all levels, both verbal and written.

Role is required to be performed on-site at One Raffles Quay office. Relevant vaccination requirements may apply.

How we’ll support you:

• Coaching and support from experts in your team
• A culture of continuous learning to aid progression
• A range of flexible benefits that you can tailor to suit your needs
• Training and development to help you excel in your career
• Coaching and support from experts in your team

About us and our teams:

Deutsche Bank is the leading German bank with strong European roots and a global network. click here to see what we do.

Deutsche Bank & Diversity

We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively.

Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group.

We welcome applications from all people and promote a positive, fair and inclusive work environment.

We are an innovative education company looking for an Assistant Manager/Executive to join our team for managing the delivery of ongoing programs and help in the roll-out of new education programs. As a key resource in the program management team, you will be responsible for managing a portfolio of education programs and ensuring that the programs are completed in budget and on-schedule.

This is a dynamic role and the responsibilities will include;

Managing Existing Programs

- Track program enrolment and assist with any queries related to the enrolment process.

- Assist with the booking of venues and facilities for the programs.

- Coordinate with various vendors for materials and supplies related to the program and ensure timely deliveries

- Oversee the program execution, including manage the temp staff hired during program execution.

- Analyse and present feedback data from the programs conducted.

Business Development for New Programs

- Work with the program design team to understand the details of program content and delivery methods.

- Develop information materials related to the programs.

- Conduct outreach activities for existing and new groups of clients (mainly education institutions).

The candidate attributes should include;

- Prior experience in managing events/programs or conferences.

- Good communication skills

- Good interpersonal skills

Education – Preferably a Diploma and above

At Citi, we get to connect millions of people across hundreds of cities and countries every day. And we've been doing it for more than 200 years. We do this through our unparalleled global network. We provide a broad range of financial services and products to our clients – whether they be consumers, corporations, governments or institutions – to help them meet their biggest opportunities and face the world's toughest challenges.

Shape your Career with Citi

Citi Global Wealth (CGW) brings together the full power of Citi to serve the entire continuum of wealth clients, from affluent to ultra-high net worth to family offices.

We’re currently looking for a high caliber professional to join our team as Vice President, Business Senior Manager in our Deposits Business Execution Team based in Singapore. Being part of our team means that we’ll provide you with the resources to meet your unique needs, empower you to make healthy decision and manage your financial well-being to help plan for your future. For instance:

• Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more. Coverage varies by country.
• We believe all parents deserve time to adjust to parenthood and bond with the newest members of their families. That’s why in early 2020 we began rolling out our expanded Paid Parental Leave Policy to include Citi employees around the world.
• Citi provides access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses.
• We have a variety of programs that help employees balance their work and life, including generous paid time off packages.

In this role, you’re expected to :

• Drive strategic projects globally from conception to completion based on the Deposit business’s key priorities. Partner directly with various groups within and outside of the Deposits team to analyze data and develop recommendations on high-priority strategic initiatives.
• Lead ongoing simplification initiatives (i.e. report simplification, etc.).
• Engage in cost management activities, such as validating spending and cost saving initiatives, monitoring savings initiatives and expenses, as well as monitoring consistency between financial information, productivity information and HR reports.
• Support the Technology Book of Work planning process across the Deposit team and monitor execution on an ongoing basis.
• Support key local initiatives in APAC.
• Support CEAM and process mapping activities globally for the Deposit team.
• Develop monthly metrics to monitor and measure impact of achievement to goals.
• Engage in monitoring and execution of regulatory and IA deliverables – identifying challenges early on and providing solutions cross-teams.
• Drive continuity of business and records management work for Deposits.
• Partner closely on Transformation and Consent Order related work within the team to ensure that issues are raised early, and progress is on track for delivery.
• Support the development of materials for Quarterly Business Reviews and strategy/financial updates.
• Manage ad-hoc requests from the central teams, functional partners, and the Head of Wealth Deposits and Balance Sheet.

As a successful candidate, you’d ideally have the following skills and exposure:

• 6-10 years of relevant experience in financial services
• A self-starter, extremely organized, motivated and able to work independently
• Strategically minded with track record of execution excellence
• Knowledge of key business management activities including headcount management, budgeting and financial acumen
• Hands-on orientation with the demonstrated ability to set up internal processes to communicate and resolve issues
• Able to engage with senior leaders clearly and concisely. Excellent communication skills required in order to communicate complex messages succinctly and influence a range of audiences
• Ability to prioritize work and manage many tasks at once
• Ability to exercise independence of judgement and autonomy
• Knowledge of the Wealth business preferred

Working at Citi is far more than just a job. A career with us means joining a family of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Take the next step in your career, apply for this role at Citi today https://jobs.citi.com/dei

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Hightlight:

• Willing to travel overseas
• Assist in managing Infrastructure and IT Security related for South Asia Ocean Region Office
• Location: Changi

Responsibilities

• Support the Regional Cloud Infrastructure hosting all the Critical Regional Business Solutions.
• Support Cloud Consolidation and Integration to Common Cloud for the Region.
• Plan, Design and Setup adequate Infrastructure for Operation Companies (OPCOs) to connect to Global and Regional Solutions.
• Support various Regional IT Infra projects, with primarily focus on Infrastructure, Elimination of Legacy hosted Infra.
• Support SD-WAN and other Infra Initiatives for the Region.
• Work closely with Global / Regional / Country IT teams to implement & Support Global IT Security Initiatives
• Manage other duties as assigned for Automation of Patch Management (Using Manage Engine), for GSOC, implementing Multi-Factor Authentication (MFA), Zscaler, Rapid 7 (Vulnerability Management), Trend Micro EDR and Others.
• Supporting initiatives advised by Global Security Audit (GSA) teams, resulting in overall improvement of IT Security Posture for the region.
• Assist in Documentation of IT Section Policies.
• Regular PDCA and follow up with Countries, to ensure Adherence for the above Initiatives.

Requirements & Qualifications

• Minimum Bachelor’s degree in IT or related field.
• Minimum 5 to 7 years In-Depth experience in Handling IT Infrastructure & IT Security at a Regional Level.
• Business driven with a Strong understanding of Prevalent / Current IT infrastructure and IT Security Solutions.
• Infrastructure Management and IT Security Skills.
• Cloud Solution Skills with a Must have experience to handle a regional Cloud Setup using AZURE.
• Understanding of relevant technology requirements required to handle the Responsibilities mentioned above.
• Strong Project Management Skills.
• Proven strength in strategic and conceptual thinking and design, implementation, and execution of strategies.
• Strong problem-solving and Co-ordination skills.
• Strong Vendor Management Skills.
• Good verbal and written communication skills.
• Proficient in Microsoft O365 Tools (Word, Excel, PPT and Others)
• Business travelling may be required for this position.

HOW TO APPLY:

Interested applicants, please click on “Apply Now” or email to “[email protected]”

We regret only shortlisted candidates will be notified.

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EA License No: 19C9950

EA Personnel: Sim Jia Hui

EA Personnel Reg No: R22106242

At OCBC, we are constantly on the lookout for exceptional individuals to join our team. As Singapore’s longest established local bank and the World’s Strongest Bank for 2011 and 2012 (as ranked by Bloomberg Magazine), we are committed to invest and develop our people. If you are a go-getter with high level of drive, do come and join us today!

As a Premier Banking Relationship Manager, your roles & responsibilities will include:

• Actively acquire and prospect new Premier Banking Offshore customers from the North Asia market.
• Develop and strengthen their relationships with the Bank in accordance with relevant business goals.
• Contribute to the bottom-line of Premier Banking through the accomplishment of profit and growth targets.
• Manage the relationships with new and existing affluent customers through professional consultative financial analysis.
• Up-sell, cross-sell and provide regular market information updates and trend analysis to these customers.
• You will also ensure superior customer service and contribute to the overall customer experience of Premier Banking.

Requirements:

• You should have minimum 2 years of sales experience in the banking and financial services industry, preferably in managing the affluent segment, and show consistent sales performance.
• You must have experience in covering the North Asian markets (China/Hong Kong/Taiwan).
• Recognised university degree and possess CMFAS certifications (RES1A/RES1B, RES2B, RES5, CM-EIP, CM-SIP, M8, M8A, M9, M9A, HI).
• Sound knowledge of banking products and services including investment products such as unit trusts, bancassurance and treasury products.
• Must be able to communicate effectively with Mandarin speaking customers.
• Good English language proficiency at Level 4.
• You exhibit strong interpersonal, communication skills and good at tele-consulting.
• It is essential for candidates to be creative and possess the initiative, drive and ability to work independently and in a team.
• You have the drive to succeed and is focused and disciplined to achieve the sales quota and revenue.
• Willing to travel for business.