Total 936 Finance / Banking / Insurance job vacancies in Cornwall and Isles of Scilly

Your New Company
A well-known business in the leisure & entertainment industry is looking to hire onto their Finance team. Part of their vision is to become the global leader in the entertainment industry. They are continuously evolving into new territories and are therefore looking to hire a Finance Manger onto their team.

Your New Role

As Finance Manager some of your responsibilities will include:

• Reviewing month-end and year-end closing activities (including journal entries and billing).
• Ensure compliance with regulatory requiremeents.
• Payroll responsibilities
• Cashflow responsibilities
• Collaboration with teams and stakeholders across the wider business.
• Day to day management of the finance teams.

What You'll Need To Succeed

• Fully qualified finance professional (ACA / ACCA / CIMA).
• 1 - 3 years' experience in industry.
• Strong IFRS and UK GAAP.
• Strong Excel proficiency.
• Strong interpersonal and business partnering skills.
• Relevant experience in the leisure / entertainment industry desirable, but not essential.

What You'll Get In Return
This is an exciting opportunity to join a dynamic and fast-moving business. You will have the opportunity to join a great team. There are also some other great perks to this role, such as their Cycle to Work Scheme and Dental / Health Care.

What You Need To Do Now
If you're interested in this role, click 'apply now' to forward an up-to-date copy of your CV, or call Athena now. If this job isn't quite right for you, but you are looking for a new position, please contact us for a confidential discussion about your career.

Hays Specialist Recruitment Limited acts as an employment agency for permanent recruitment and employment business for the supply of temporary workers. By applying for this job you accept the T&C's, Privacy Policy and Disclaimers which can be found at hays.co.uk

As the Governance Operations Specialist (Organization Title: Deputy Corporate Secretary) you will provide assisting in the effective management of all activities, operations and matters related to the Board of Directors (Board), Board Committees (Audit and Risk), the Board's Public Hearings, the Investment Committee, and the Credit Committee. The incumbent will:

• Support the Corporate Secretary and OGC's leadership in managing the multi-faceted governance operations for DFC's multi-line investment and development finance transactions and activities as well as maintaining and advancing relationships with the Board, including agency liaisons supporting the Board members designated by the various agencies.
• Support the Corporate Secretary in furthering the role of each Board member to strengthen the relationship with DFC and to enhance their role as an agent for DFC in the larger business community, domestic and abroad.
• Coordinate with the Corporate Secretary in servicing the DFC Board of Directors ("Directors") in effectively understanding Director's needs and providing timely responses and answers to queries.
• Offer guidance, suggestions and facilitates with the Corporate Secretary in managing Front Office communication with Directors, including establishing a schedule of such communication and proposing topics and materials for consideration, review and timely clearance by the Front Office.
• Ensure the effective, efficient, and smooth set-up, scheduling and running of the Corporation's Board meetings, Board Committee meetings, Board's Public Hearing, and internal Investment Committee and Credit Committee meetings (collectively, the "meetings"), including managing the changing and frequently conflicting calendars and priorities of key stakeholders and decision makers.
• Update, revise and keep distribution lists for the various meetings up to date.
• Brief and advise on policies and procedures regarding the meetings.
• Create and administer (including in conjunction with then IT Department) a record-keeping system and adheres to records management and retention rules for all records pertaining to: Board meetings and resolutions; Investment Committee meetings and approvals; Credit Committee meetings and approvals; and other corporate documents.
• Provide effective management and be a recognized internal subject matter expert on key DFC governance-enabling information technology platforms, tools, systems, and processes that support the Board and other sub-board level project approvals, including but not limited to: CMAS, SharePoint, Insight, OneDrive, and other platforms.

Conducts full range of new project financings and undertake all tasks required to process transactions from initial screening through due diligence, negotiating and structuring, approval, documentation, closing and funding.

Conducts in-depth analyses of new loan proposals to determine their financial, technical, economic, legal, marketing, and political feasibility.

Negotiates with key interested parties on DFC loan terms, including collateral security and completion support, and policy requirements.

Coordinates project financial plans and co-creditor arrangements with other creditors, such as development finance institutions, private impact investors, and commercial or investment banking institutions.

Consults with recognized industry experts on the technical aspects of proposed projects.

Obtains information through field visits, correspondence with officials of the host country, private firm representatives, U.S. Agency for International Development (USAID) and Embassy personnel and other sources needed to analyze applications for DFC financing assistance.

Presents loan proposals to the various approval committees. Prepares recommendations and required papers and correspondence.

Works with the business development team to develop new business opportunities.

Please Note: This is a Bargaining unit position represented by AFGE, local 1534.

Conducts full range of new project financings and undertake all tasks required to process transactions from initial screening through due diligence, negotiating and structuring, approval, documentation, closing and funding.

Conducts in-depth analyses of new loan proposals to determine their financial, technical, economic, legal, marketing, and political feasibility.

Negotiates with key interested parties on DFC loan terms, including collateral security and completion support, and policy requirements.

Coordinates project financial plans and co-creditor arrangements with other creditors, such as development finance institutions, private impact investors, and commercial or investment banking institutions.

Consults with recognized industry experts on the technical aspects of proposed projects.

Obtains information through field visits, correspondence with officials of the host country, private firm representatives, U.S. Agency for International Development (USAID) and Embassy personnel and other sources needed to analyze applications for DFC financing assistance.

Presents loan proposals to the various approval committees. Prepares recommendations and required papers and correspondence.

Works with the business development team to develop new business opportunities.

Please Note: This is a Bargaining unit position represented by AFGE, local 1534.

As the Managing Director, Stakeholder Engagement and Events you will:

• Develop and implement stakeholder engagement and outreach strategies that support the Development Finance Corporation's (DFC) mission and objectives.
• Build and maintain strong relationships with key stakeholders, including business associations, clients, think tanks, universities, and partner development finance institutions.
• Manage a team of outreach and event professionals responsible for executing DFC's stakeholder engagement strategy, events, outreach, external affairs, speaking engagements and DFC's speakers bureau.
• Work closely with the Office of External Affairs leadership team to ensure effective communication and collaboration with internal stakeholders.
• Develop and manage stakeholder engagement events, including conferences, seminars, and roundtables.
• Create compelling presentations and communications materials that effectively convey the DFC's mission and impact.
• Monitor and analyze stakeholder feedback and engagement metrics to continuously improve the DFC's outreach and communication efforts.
• Provide guidance and support to DFC staff on effective stakeholder engagement practices.

As the Managing Director, Stakeholder Engagement and Events you will:

• Develop and implement stakeholder engagement and outreach strategies that support the Development Finance Corporation's (DFC) mission and objectives.
• Build and maintain strong relationships with key stakeholders, including business associations, clients, think tanks, universities, and partner development finance institutions.
• Manage a team of outreach and event professionals responsible for executing DFC's stakeholder engagement strategy, events, outreach, external affairs, speaking engagements and DFC's speakers bureau.
• Work closely with the Office of External Affairs leadership team to ensure effective communication and collaboration with internal stakeholders.
• Develop and manage stakeholder engagement events, including conferences, seminars, and roundtables.
• Create compelling presentations and communications materials that effectively convey the DFC's mission and impact.
• Monitor and analyze stakeholder feedback and engagement metrics to continuously improve the DFC's outreach and communication efforts.
• Provide guidance and support to DFC staff on effective stakeholder engagement practices.

• Serves as an Environmental and Social Risk Specialist in one or more of the following sectors: critical minerals, energy, food and agriculture, natural resources, health, infrastructure, small business support, financial services, or investment funds/financial intermediaries.
• Reviews and assesses prospective and active DFC clients and supported projects for their alignment and compliance with DFC's environmental and social requirements, including the International Finance Corporation (IFC) Performance Standards and DFC's Environmental and Social Policy and Procedures (ESPP). Identifies gaps to achieving compliance and proposes actions and solutions to address those gaps.
• Monitors the actual environmental, health, safety, and social impacts of previously approved DFC projects through analysis of investor and third-party monitoring reports, review and tracking of deliverables, and through site visits.
• Synthesizes technical E&S analysis into succinct and comprehensible summaries appropriate for non-technical audiences.

• Serves as an Environmental and Social Risk Specialist in one or more of the following sectors: critical minerals, energy, food and agriculture, natural resources, health, infrastructure, small business support, financial services, or investment funds/financial intermediaries.
• Reviews and assesses prospective and active DFC clients and supported projects for their alignment and compliance with DFC's environmental and social requirements, including the International Finance Corporation (IFC) Performance Standards and DFC's Environmental and Social Policy and Procedures (ESPP). Identifies gaps to achieving compliance and proposes actions and solutions to address those gaps.
• Monitors the actual environmental, health, safety, and social impacts of previously approved DFC projects through analysis of investor and third-party monitoring reports, review and tracking of deliverables, and through site visits.
• Synthesizes technical E&S analysis into succinct and comprehensible summaries appropriate for non-technical audiences.

Office of Multifamily Analytics and Policy
The mission of the Office of Multifamily Analytics and Policy (OMAP) is to ensure sound and prudent oversight over the multifamily housing activities funded by Fannie Mae and Freddie Mac (the Enterprises). OMAP is dedicated to minimizing risk associated with the Enterprises' multifamily loan purchases through the oversight and monitoring of all multifamily policies, programs, products, and procedures. The mission of OMAP is to ensure the Enterprises appropriately balance credit discipline and their chartered mission to serve underserved markets and promote rental housing affordability. The incumbent shall serve as a Supervisory Policy Analyst in OMAP, participate in specific policy development and implementation continuing activities or projects, and provide multifamily subject matter knowledge.

The Asset Management and Portfolio Oversight (AMPO)
The Asset Management and Portfolio Oversight (AMPO) branch is responsible for monitoring the implementation of the Enterprises' Asset Management Plans via the Conservatorship Scorecard process. In addition, the branch reviews all new or modified multifamily policies related to asset management while the Enterprises remain in Conservatorship.

Position Overview
The incumbent serves as the Supervisory Policy Analyst and leads the Asset Management and Portfolio Oversight (AMPO) branch. Supervises and directs this team's work that develops, analyzes, evaluates monitors, and/or implements effective multifamily housing finance policies, procedures, and guidelines related to asset management and property conditions.

Major Duties & Responsibilities

• Leads the team in the monitoring and oversight of GSEs to ensure compliance with multifamily and affordable housing policies and procedures.
• Performs policy analysis of proposed legislation, existing statutes, Congressional testimony, and Enterprise reports. Ensures recommendations to the Associate Director are thorough, accurate, and timely. Interprets the impact of policies and programs on housing mission. In the course of these interpretations, conducts complex analyses of policy and programs to identify and formulate specific options.
• Analyze and recommend solutions for highly complex questions concerning regulations, policies, actions, and documents as they apply to FHFA, the Enterprises, the Banks and the Bank members.
• Manages the preparation of regulations and policies governing the performance of the Enterprises Supervises policy and quantitative analysis efforts affecting the GSEs affordable housing mission requirements.
• Manages and prepares policy and issue papers, research papers, briefings, reports, and memos for the office and agency directors, senior staff, and other external audiences.
• Monitors and keeps abreast of developments in the regulation of financial institutions and the mortgage industry to remain current in these areas of expertise through participation in meetings, seminars, and conferences.
• Provide expert analysis and advice identifying areas of importance and potential problems and recommend courses of action on policy issues that affect the agency.
• Works collaboratively with other members of the team and other FHFA teams in identifying and specifying the kind of analysis that will be required/most appropriate for a particular issue and will oversee development of and present analysis and findings on highly complex and technical issues to technical and non-technical audiences.
• Manage/direct research, forecasting, development, implementation, and evaluation of complex local, state, and national issues, which affect policies, plans, regulations, performance, and legislation.
• Manage a broad range of complex analytical assignments that may impact various offices within the agency.
• Coordinates the work of the office with other organizational elements. Reviews and recommends ways to institute business process improvement methods, organizational features, structuring of positions, and identifies measures to improve production or increase the quality of work produced. Implements prescribed internal controls to eliminate or minimize the potential for fraud, waste, abuse, mismanagement, and inefficiency.
• Serves as a subject matter expert to executive-level management in the area of multifamily housing. Establishes and maintains professional contacts outside FHFA and represents the agency at meetings with the Enterprises, other government agencies, external researchers, and professional organizations.

Office of Multifamily Analytics and Policy
The mission of the Office of Multifamily Analytics and Policy (OMAP) is to ensure sound and prudent oversight over the multifamily housing activities funded by Fannie Mae and Freddie Mac (the Enterprises). OMAP is dedicated to minimizing risk associated with the Enterprises' multifamily loan purchases through the oversight and monitoring of all multifamily policies, programs, products, and procedures. The mission of OMAP is to ensure the Enterprises appropriately balance credit discipline and their chartered mission to serve underserved markets and promote rental housing affordability. The incumbent shall serve as a Supervisory Policy Analyst in OMAP, participate in specific policy development and implementation continuing activities or projects, and provide multifamily subject matter knowledge.

The Asset Management and Portfolio Oversight (AMPO)
The Asset Management and Portfolio Oversight (AMPO) branch is responsible for monitoring the implementation of the Enterprises' Asset Management Plans via the Conservatorship Scorecard process. In addition, the branch reviews all new or modified multifamily policies related to asset management while the Enterprises remain in Conservatorship.

Position Overview
The incumbent serves as the Supervisory Policy Analyst and leads the Asset Management and Portfolio Oversight (AMPO) branch. Supervises and directs this team's work that develops, analyzes, evaluates monitors, and/or implements effective multifamily housing finance policies, procedures, and guidelines related to asset management and property conditions.

Major Duties & Responsibilities

• Leads the team in the monitoring and oversight of GSEs to ensure compliance with multifamily and affordable housing policies and procedures.
• Performs policy analysis of proposed legislation, existing statutes, Congressional testimony, and Enterprise reports. Ensures recommendations to the Associate Director are thorough, accurate, and timely. Interprets the impact of policies and programs on housing mission. In the course of these interpretations, conducts complex analyses of policy and programs to identify and formulate specific options.
• Analyze and recommend solutions for highly complex questions concerning regulations, policies, actions, and documents as they apply to FHFA, the Enterprises, the Banks and the Bank members.
• Manages the preparation of regulations and policies governing the performance of the Enterprises Supervises policy and quantitative analysis efforts affecting the GSEs affordable housing mission requirements.
• Manages and prepares policy and issue papers, research papers, briefings, reports, and memos for the office and agency directors, senior staff, and other external audiences.
• Monitors and keeps abreast of developments in the regulation of financial institutions and the mortgage industry to remain current in these areas of expertise through participation in meetings, seminars, and conferences.
• Provide expert analysis and advice identifying areas of importance and potential problems and recommend courses of action on policy issues that affect the agency.
• Works collaboratively with other members of the team and other FHFA teams in identifying and specifying the kind of analysis that will be required/most appropriate for a particular issue and will oversee development of and present analysis and findings on highly complex and technical issues to technical and non-technical audiences.
• Manage/direct research, forecasting, development, implementation, and evaluation of complex local, state, and national issues, which affect policies, plans, regulations, performance, and legislation.
• Manage a broad range of complex analytical assignments that may impact various offices within the agency.
• Coordinates the work of the office with other organizational elements. Reviews and recommends ways to institute business process improvement methods, organizational features, structuring of positions, and identifies measures to improve production or increase the quality of work produced. Implements prescribed internal controls to eliminate or minimize the potential for fraud, waste, abuse, mismanagement, and inefficiency.
• Serves as a subject matter expert to executive-level management in the area of multifamily housing. Establishes and maintains professional contacts outside FHFA and represents the agency at meetings with the Enterprises, other government agencies, external researchers, and professional organizations.

Please Note: Employees will be required to report to their assigned office location at least 2 day per week for non-supervisory positions and 3 days per week for supervisory/managerial positions unless the position advertised is designated as a remote-only position.

The incumbent serves as the Deputy Chief Banking Officer (DCBO) in the Office of the Chief Banking Officer (OCBO) and reports to the Senior Vice President and Chief Banking Officer.

The incumbent is responsible for supporting the Board of Directors, the management of EXIM's external client relationships and transactions, and product structure, design, and delivery. The Deputy is responsible for providing financial assistance in response to requests from U.S. exporters, foreign buyers, foreign governments, foreign and domestic commercial banks, insurance brokers and other eligible applicants. The incumbent of this position pursues OCBO-wide program and policy initiatives and coordinates the implementation; develops recommendations for the OCBO regarding policy, processes, and issues; assists in managing the loan applications, administration, and processes; manages special assignments as designated by the CBO and serves as an expert resource consultant for the staff of the OCBO. The OCBO is responsible for the loan, guarantee and insurance products, and the overall relationship management of EXIMs external clients.

Duties include, but are not limited to:

• Serves as a key member of the senior staff of the Office of Chief Banking Officer which includes Office heads in the OCBO. Provides guidance and counsel to OCBO and Office heads as necessary, assists in the establishment of OCBO objectives and program goals, and alerts CBO and OCBO office heads regarding guidelines and needed results. The incumbent plays an important role in the development, implementation and improvement of processes and programs within the OCBO. Also, the incumbent provides advice and counsel to the Chief Banking Officer on operations and management issues related to the OCBO.
• In collaboration with the CBO and EXIM's President and Chair, the DCBO designs and leads the Bank's business development strategies for the China and Transformational Exports Program (CTEP) and Office of Global Business Development (GBD) to ensure better alignment with these functions and programs with other banking operations. The DCBO leads and manages the OCBO programs for EXIM's offices. The DCBO provides leadership, direct supervision, and management support to a team of professional and administrative staff; develops and/or implements major planning, evaluation, or monitoring of long/short range operational plans, resource requirements, and/or budgets for the OCBO; and continually monitors and evaluates budget, fiscal, and administrative controls to manage the OCBO's programs and services.
• Identifies and prioritizes issues requiring the attention of the CBO concerning all within OCBO. The incumbent develops recommendations for the CBO and implements decisions with respect to staff allocations, personnel requirements and selection, operating program and administrative budgets, training requirements and programs and logistics support to staff for productivity and performance. Researches and evaluates views on processes, management, and programs for the OCBO and makes appropriate recommendations to the CBO. Oversees coordination of decisions made by CBO with other groups within the EXIM.
• Executes responsibilities of a senior manager by directing the appropriate individuals from OCBO and throughout EXIM to address any relevant items for the CBO and/or the OCBO.
• The incumbent is responsible for all post-authorization asset management functions for all EXIM programs, including credit amendments, credit monitoring, pre-claim restructuring, claim payments, post-claim restructuring and recoveries, and portfolio monitoring, subject to Individual Delegated Authority (IDA), which is conferred by the Bank's Board of Directors.
• Responsible for the Bank's impaired credits, including consensual restructurings and partial value settlements, non-consensual recoveries, sales of assets, credit monitoring and valuation, clam processing and Bank liability determinations, and write-offs, subject to IDA.
• Responsible for the management of EXIM's operative non-impaired credits, including modifications/waivers/consents related to credit amounts, terms, covenants or conditions, credit monitoring and valuation of project finance, aircraft, and non-sovereign credit exposures, subject to IDA.
• Serves as a liaison/spokesperson to institutions, such as other U.S. government agencies and the Hill, and advises the CBO on how these institutions' policies and objectives effect EXIM's operations and programs.

Please Note: Employees will be required to report to their assigned office location at least 2 day per week for non-supervisory positions and 3 days per week for supervisory/managerial positions unless the position advertised is designated as a remote-only position.

The incumbent serves as the Deputy Chief Banking Officer (DCBO) in the Office of the Chief Banking Officer (OCBO) and reports to the Senior Vice President and Chief Banking Officer.

The incumbent is responsible for supporting the Board of Directors, the management of EXIM's external client relationships and transactions, and product structure, design, and delivery. The Deputy is responsible for providing financial assistance in response to requests from U.S. exporters, foreign buyers, foreign governments, foreign and domestic commercial banks, insurance brokers and other eligible applicants. The incumbent of this position pursues OCBO-wide program and policy initiatives and coordinates the implementation; develops recommendations for the OCBO regarding policy, processes, and issues; assists in managing the loan applications, administration, and processes; manages special assignments as designated by the CBO and serves as an expert resource consultant for the staff of the OCBO. The OCBO is responsible for the loan, guarantee and insurance products, and the overall relationship management of EXIMs external clients.

Duties include, but are not limited to:

• Serves as a key member of the senior staff of the Office of Chief Banking Officer which includes Office heads in the OCBO. Provides guidance and counsel to OCBO and Office heads as necessary, assists in the establishment of OCBO objectives and program goals, and alerts CBO and OCBO office heads regarding guidelines and needed results. The incumbent plays an important role in the development, implementation and improvement of processes and programs within the OCBO. Also, the incumbent provides advice and counsel to the Chief Banking Officer on operations and management issues related to the OCBO.
• In collaboration with the CBO and EXIM's President and Chair, the DCBO designs and leads the Bank's business development strategies for the China and Transformational Exports Program (CTEP) and Office of Global Business Development (GBD) to ensure better alignment with these functions and programs with other banking operations. The DCBO leads and manages the OCBO programs for EXIM's offices. The DCBO provides leadership, direct supervision, and management support to a team of professional and administrative staff; develops and/or implements major planning, evaluation, or monitoring of long/short range operational plans, resource requirements, and/or budgets for the OCBO; and continually monitors and evaluates budget, fiscal, and administrative controls to manage the OCBO's programs and services.
• Identifies and prioritizes issues requiring the attention of the CBO concerning all within OCBO. The incumbent develops recommendations for the CBO and implements decisions with respect to staff allocations, personnel requirements and selection, operating program and administrative budgets, training requirements and programs and logistics support to staff for productivity and performance. Researches and evaluates views on processes, management, and programs for the OCBO and makes appropriate recommendations to the CBO. Oversees coordination of decisions made by CBO with other groups within the EXIM.
• Executes responsibilities of a senior manager by directing the appropriate individuals from OCBO and throughout EXIM to address any relevant items for the CBO and/or the OCBO.
• The incumbent is responsible for all post-authorization asset management functions for all EXIM programs, including credit amendments, credit monitoring, pre-claim restructuring, claim payments, post-claim restructuring and recoveries, and portfolio monitoring, subject to Individual Delegated Authority (IDA), which is conferred by the Bank's Board of Directors.
• Responsible for the Bank's impaired credits, including consensual restructurings and partial value settlements, non-consensual recoveries, sales of assets, credit monitoring and valuation, clam processing and Bank liability determinations, and write-offs, subject to IDA.
• Responsible for the management of EXIM's operative non-impaired credits, including modifications/waivers/consents related to credit amounts, terms, covenants or conditions, credit monitoring and valuation of project finance, aircraft, and non-sovereign credit exposures, subject to IDA.
• Serves as a liaison/spokesperson to institutions, such as other U.S. government agencies and the Hill, and advises the CBO on how these institutions' policies and objectives effect EXIM's operations and programs.

• Develops program and product line budgets and uses the business cases to justify/request project budget and provides input to planning budget, security, configuration management, and problem management processes.
• Directs, leads, and coordinates activities of complex IT programs and product lines to ensure established milestones are accomplished on time, within prescribed funding parameters, and in accordance with client business objectives.
• Designs or conducts analytical studies, cost benefit analysis, and other research, and reports on milestones and budgets.
• Determines and secures all resources required to plan, analyze, develop, and implement the assigned programs and product lines.  Assembles a team of technical experts and acquires resources including corporate and vendor IT services, equipment, and other necessary items.  Coordinates resources across organizational elements if necessary.
• Analyze clients information system requirements and consult with clients to determine appropriate product or services necessary to satisfy requirements.
• Develops Contractual documentation (Statement of work (SOWs) and Statement of Objectives (SOOs) for task orders leading to acquisition of IT systems, equipment and services required for programs and product lines assigned.  Reviews and evaluates contract proposals.
• Conducts oral discussions with FDIC personnel at all levels and with representatives from other banking agencies, the banking industry, contractors, and the general public.

• Develops program and product line budgets and uses the business cases to justify/request project budget and provides input to planning budget, security, configuration management, and problem management processes.
• Directs, leads, and coordinates activities of complex IT programs and product lines to ensure established milestones are accomplished on time, within prescribed funding parameters, and in accordance with client business objectives.
• Designs or conducts analytical studies, cost benefit analysis, and other research, and reports on milestones and budgets.
• Determines and secures all resources required to plan, analyze, develop, and implement the assigned programs and product lines.  Assembles a team of technical experts and acquires resources including corporate and vendor IT services, equipment, and other necessary items.  Coordinates resources across organizational elements if necessary.
• Analyze clients information system requirements and consult with clients to determine appropriate product or services necessary to satisfy requirements.
• Develops Contractual documentation (Statement of work (SOWs) and Statement of Objectives (SOOs) for task orders leading to acquisition of IT systems, equipment and services required for programs and product lines assigned.  Reviews and evaluates contract proposals.
• Conducts oral discussions with FDIC personnel at all levels and with representatives from other banking agencies, the banking industry, contractors, and the general public.