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Job search results in: NY Careers, United States jobs, New York jobs, Banking/Real Estate/Mortgage Professionals jobs
About the Job
World Financial Group offers a wide array of innovative financial services and products with a common purpose. Our mission is to help individuals, families,
and businesses build, protect, and preserve their hard-earned assets.
With more than a century of experience, we have built a reputation on solid management, sound decisions, and consumer confidence.
World Financial Group is an AEGON company.AEGON is an international life insurance, pension and asset management company based in The Hague, the Netherlands,
with businesses in over 20 markets in the Americas,Europe and Asia.
AEGON companies employ approximately 28,000 people and serve some 40 million customers across the globe. AEGON takes pride in balancing a local approach
with the power of an expanding global operation.? Respect, quality, transparency and trust constitute our core values as
the company continually strives to meet the expectations of customers, shareholders, employees and business partners.
As an associate you are backed by the marketing and administrative muscle of the WFG Executive Headquarters and the support of experienced field leaders who
have each built a successful financial services business from the ground up. The more than 300 employees at the headquarters go to work
each day with one goal in mind: helping you build your business. These employees and every leader in the field are dedicated to helping you succeed.
We offer the opportunity for professional growth and advancement. Our guiding philosophy is "Respect People, Make Money and Have Fun." This simple and direct
philosophy has helped AEGON grow into one of the largest insurance and financial service organizations in the world.
Post date: 31 January 2011
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Major investment bank seeks finance & corporate attorney for a part-time temporary assignment. This position will be 3 days a week 9am-6pm approximately but candidates must have flexibility to work longer hours as necessary.
Attorneys will be supporting affiliates in finance corporate, and reviewing and drafting legal documents including formation and dissolution documents, powers of attorney, resolutions and secretary’s certificates.
Attorneys will also be reviewing and drafting charter and constituent documents for entities and advising on questions relating to Federal Reserve reporting of affiliate and subsidiary information, coordinating responses to year end audit inquiries, supervising and coordinating process to pay and file franchise taxes and annual reports, qualifying entities to do business in various jurisdictions, consulting with local counsel as needed, coordinating year-end updates of entity information, and handling special projects relating to affiliate management.
Please send your resume to [Click Here to Email Your Resumé]
We never sent your resume anywhere without your consent.
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My name is Christopher Anthony and I am the northeast recruiter for GoldCoast Corporate Recruiting. The purpose of this posting is to let all mortgage sales professionals know that huge opportunity still exists for those that posses sales skills. Now more so than ever before MTG BANKS are in need of talented and aggressive sales professionals. As a high profile and well known executive recruiter, I represent some of the top banks in this country. These companies have come to me to find only the best of the best.
If you are a top industry producer w/ a proven track record and the ability to sell, I can place with a national bank within 24 hours.
Some of the benefits being offered are:
Sign On Bonus
Salary
Medical
Dental
Life ins.
Company vehicle
Expense account
Marketing Budget*****
In addition if you are a team leader, manager or broker/owner looking to make the transition into banking, You MUST contact me immediately, since more lucrative compensation packages exist.
The only requirements for these positions are at least 2 yrs sales exp. w/ a proven track record!!!
I will also let you that my job and role is to negotiate the best compensation for you and your situation. These companies enlisted me because they my trust my opinion and proven track record. On average myt clients receieve 20% more in their compensation packages for example a mtg salesperson who was receiving a 40% split with no benefits came to me for placement. Within 24hrs, I placed him in a national bank with a 60% split, a 10k a month marketing budget & full benefits. Today that individual is ranked as the 14th Top Mortgage Producer in the country. My time is valuable and not to be wasted. If you are a true sales professional with a proven track record and are looking for once in a lifetime opportunity; contact me immediately.
Please forward resume or call for further consideration.
Christopher Anthony
Sr. Managing Director
GoldCoast Executive Recruiting
P - 516-233-5730
P - 516-770-5418
F - 516-686-0124
GoldCoastrct@aol.com
http://mortgagejobsolutions.com/
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Play a vital role in the customer banking experience at Chase! As a part of JPMorgan Chase, a leading global financial services firm, Chase has over 5,000 Chase and WaMu branches where our bankers build relationships with customers and provide them with products & services to meet their ever ‐changing needs. As a Personal Banker you'll acquire, retain and expand new and existing relationships. You'll proactively meet with customers ‐ face to face or over the phone ‐ to discover their financial needs and provide product recommendations. You will be contributing directly to the success of the firm by maximizing the depth and profitability of the customer's relationship through partnering with sales specialists in product areas. All of you working as a team will create an outstanding customer experience.
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Position Category: Fixed Income Sales & Trading
Position Title: MSSB - Markets - GSE Agency Trader
Job Level: Associate
Location: USA - NY - Purchase
Education Required: Bachelors Degree
Position Description:
Candidates for this position must have at least 2 years credible experience within fixed income trading, with the primary focus on Agencies. The skill and desire to analyze fixed income interest markets in the context of changing macroeconomic and industry conditions in order to generate value added investment ideas for GWM fixed income should also be present. A fast-paced and intense environment requires an aptitude for analyzing and interpreting complex information from multiple sources in a timely manner.
Morgan Stanley Smith Barney, a global leader in wealth management, provides access to a wide range of products and services to individuals, businesses and institutions, including brokerage and investment advisory services, financial and wealth planning, credit and lending, cash management, annuities and insurance, retirement and trust. Morgan Stanley Smith Barney Capital Markets is a global leader in Fixed Income products, providing individuals, corporations, and governments around the world with a wide range of services.
Duties include:
Must possess strong trading skills, be proficient in, and understand the dynamics of the fixed income interest markets and its various products, with a high level of knowledge in Agencies.
Deliver quality investment ideas and strategy to Senior Management, Sales Team and GWM Financial Advisors. Ensure best execution, liaising with internal Morgan Stanley traders and outside counterparties.
Timely and accurate execution of GWM fixed income trades
Daily management of risk with full accountability for both risk and P&L within personal book.
Ability to hedge risk.
Development of the business through communication, cooperation and support of Sales Team and Senior Management, who are responsible for fostering, maintaining, and prospecting client relationships.
Act in accordance with all the relevant legal and regulatory requirements; identify and report issues and risks, including any compliance or suitability issues.
Work with Controllers/Value Review on mark-to-market positions.
Determine / Analyze any system breaks and reconcile with operations.
Skills Required:
Outstanding attention to detail and follow-up
Must be a service oriented, team-player eager to assist colleagues and members of the department at all levels
Self-motivated, innovative, hard working individual, who can handle changing priorities and multiple tasks in a timely fashion
Strong verbal and interpersonal skills, particularly the ability to forge and maintain relationships
Diligent and meticulous individual with the ability to “think outside the box”
Proficient in Microsoft Excel
Strong time management/prioritization skills and solid judgment
Series 7 & 63 required
BS/BA Degree
EOE
Committed To Diversifying Its Workforce
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We are a leading full-service independent community bank that helps families and businesses make the most of life's opportunities. By combining state-of-the-art technology with our own brand of local decision making, we can deliver the quality financial products and services you need, how, when and where you need them. We have more branches open Sundays than any other bank in the Hudson Valley, and virtually all of our branches are open on Saturday.
To greet customers and to handle all teller transactions at positions within the interior of the bank. To develop skills and product knowledge in order to refer customers to the appropriate sales personnel.
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Equity Trader Lynx Capital Partners, LLC, is currently recruiting entry-level traders for its state of the art NYC office. These select few traders will have the opportunity to partake in our training program, which is renowned in the industry for turning out some of the most consistently profitable traders. We pride ourselves on providing traders a congenial, technologically advanced atmosphere that fosters success. New trainees: • Experienced and successful traders train new recruits in proven strategies.• Our trainers have a vested interest in the success of their trainees and therefore are available throughout the day for hands on instruction and feedback as well as intensive post-market lectures. • Our trainers are industry veterans who apply proven techniques based on years of success. Please be advised that this is not a salary based position. Experienced traders: • We are also looking for seasoned traders who want to trade using our advanced trading platform in our NYC facility. • Experienced traders are welcome to compare othe execution platform we utilize and overall atmosphere to their current firm. Groups or group leaders are welcome. Lynx Capital Partners, LLC is neither a broker-dealer nor introducing broker, and does not provide brokerage services.
Job search results in: NY Careers, United States jobs, New York jobs, Banking/Real Estate/Mortgage Professionals jobs
Equity Trader Lynx Capital Partners, LLC, is currently recruiting entry-level traders for its state of the art NYC office. These select few traders will have the opportunity to partake in our training program, which is renowned in the industry for turning out some of the most consistently profitable traders. We pride ourselves on providing traders a congenial, technologically advanced atmosphere that fosters success. New trainees: • Experienced and successful traders train new recruits in proven strategies.• Our trainers have a vested interest in the success of their trainees and therefore are available throughout the day for hands on instruction and feedback as well as intensive post-market lectures. • Our trainers are industry veterans who apply proven techniques based on years of success. Please be advised that this is not a salary based position. Experienced traders: • We are also looking for seasoned traders who want to trade using our advanced trading platform in our NYC facility. • Experienced traders are welcome to compare othe execution platform we utilize and overall atmosphere to their current firm. Groups or group leaders are welcome. Lynx Capital Partners, LLC is neither a broker-dealer nor introducing broker, and does not provide brokerage services.
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******Unless specifically contracted, resumes from recruiting agencies are not being accepted for this position.****** We are seeking a CAM /AR Administrator who will resolve common area maintenance (CAM) cost disputes with anchor tenants. Excellent verbal, written, mathematical and analytical skills are essential. Must be proficient with MS Word and Excel. Must also be assertive, outgoing, highly organized and have the ability to coordinate with attorneys, property management, outside auditors and tenants. The qualified candidate will be an energetic self-starter who is willing to learn. Four-year college degree or equivalent experience. One plus years of landlord commercial real estate experience required. Must be available for overtime as needed .
Job search results in: NY Careers, United States jobs, New York jobs, Banking/Real Estate/Mortgage Professionals jobs
Equity Trader Lynx Capital Partners, LLC, is currently recruiting entry-level traders for its state of the art NYC office. These select few traders will have the opportunity to partake in our training program, which is renowned in the industry for turning out some of the most consistently profitable traders. We pride ourselves on providing traders a congenial, technologically advanced atmosphere that fosters success. New trainees: • Experienced and successful traders train new recruits in proven strategies.• Our trainers have a vested interest in the success of their trainees and therefore are available throughout the day for hands on instruction and feedback as well as intensive post-market lectures. • Our trainers are industry veterans who apply proven techniques based on years of success. Please be advised that this is not a salary based position. Experienced traders: • We are also looking for seasoned traders who want to trade using our advanced trading platform in our NYC facility. • Experienced traders are welcome to compare othe execution platform we utilize and overall atmosphere to their current firm. Groups or group leaders are welcome. Lynx Capital Partners, LLC is neither a broker-dealer nor introducing broker, and does not provide brokerage services.
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Position Summary:E*TRADE Financial is looking for a talented product manager with a background in the brokerage industry as well as internet or software application product development. This position will have the primary responsibility of developing detailed business & functional requirements to ensure best in class products as well as enhancing and maintaining existing product platforms. Candidate must have a proven track record of developing and driving product initiatives from start to finish, from business model to post-rollout measurement. Ideal candidate for this role should have demonstrated experience with defining business & functional requirements, be an analytic thinker and creative problem solver, detail-oriented and possess excellent communication skills. Experience with Transaction Monitoring vendor solution – Actimize as well as prior project experience with Anti-Money laundering transaction monitoring is a plus. Responsibilities:§ Develop detailed business & functional requirements for new projects, enhancements, modifications and /or re-writes to existing products § Manage E*Trade’s transaction monitoring & surveillance platform. This includes ongoing oversight of the platform performance, maintenance of daily and weekly issues, reporting of key metrics and serve as the primary liaison with vendor§ Create and manage project roadmaps and prioritize projects according to the goals of the firm and business demands§ Seek out opportunities to close product gaps and make process improvements§ Research customers, partners and competitive environment to ensure best in class customer experience § Interact closely with technology development, brokerage compliance, AML, account operations, quality assurance, marketing, and customer service towards implementation of key projects and initiatives§ Generate regular metrics reports and analyses to measure the effectiveness and competitiveness of products
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We are a leading full-service independent community bank that helps families and businesses make the most of life's opportunities. By combining state-of-the-art technology with our own brand of local decision making, we can deliver the quality financial products and services you need, how, when and where you need them. We have more branches open Sundays than any other bank in the Hudson Valley, and virtually all of our branches are open on Saturday.
To greet customers and to handle all teller transactions at positions within the interior of the bank. To develop skills and product knowledge in order to refer customers to the appropriate sales personnel.
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Prestigious global banking firm seeks a seasoned credit professional to manage and monitor adversely graded credits, develop strategy and negotiate with customers and other banks to collect delinquent credits and minimize credit losses. Individual will recommend strategies for loan loss reserve and charge-offs for portfolio including review of "Asset Evaluation and Assessment". Also will evaluate individual credit applications and make recommendations to Credit Commitee, monitor assigned credits, provide advice, direction and support to other credit officers; work with syndications to effect exposure reduction when action is deemed appropriate; will represent the bank at meetings.
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NY-BronxMake the Right Move and join a winning team! Build your career with us. HSBC - North America is part of HSBC Group, one of the largest banking and financial services organizations in the world. Our domestic strength and extensive global network provides our employees with the best of both worlds - the friendliness of a local organization and the resources of a worldwide network - for diverse experiences and challenging career opportunities.Lead, directs, manages and coaches the acquisition, development and retention of profitable consumer, public and business relationships through the consistent sale and servicing of financial service products for assigned branches may include direct management of their own branch. Lead, drives and manages the sales culture through all levels within assigned branches to meet and exceed established sales and revenue goals. Lead, direct and coach sales and service initiatives for assigned branches to increase the Company’s market share and deepen relationships across all current and potential traditional and non-traditional banking channels, particularly wealth management and small business. Articulate customer needs to executive management to ensure marketplace needs are met and drive marketing plans.
Establish and develop a community presence through the implementation of call programs and active participation in industry associations and community organizations, including appropriate level of employee participation. Lead and develop an effective team through communication, performance management, development plans and reward/recognition practices. Cultivate an environment that supports diversity and reflects the HSBC brand. Oversee, manage and coach personnel in assigned branches may include direct management of their own branch to drive sales results, contribute to achievement of the operating plan and transform the Company to a leading financial service provider. Lead and drive branch activities to achieve maximum growth and profitability targets for the sale of financial services across the consumer, business and public sectors, ensuring full utilization of the customer management system. Ensure activities are consistent across assigned branches and the provision of superior customer service. Ensure adherence to established customer interaction standards for every transaction. Ensure assigned branches meet and exceed established sales and revenue goals through robust activity management, while keeping expenses minimized. Complete other responsibilities, as assigned.Ensure consistency of the merchandising and overall appearance and delivery of branch services for assigned branches. Ensure operational integrity, expense control and minimized errors and losses. Ensure compliance, operational risk controls in accordance with HSBC or regulatory standards and policies; and optimize relations with regulators by addressing any issues. Promote an environment that supports diversity and reflects the HSBC brand. Maintain HSBC internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators.
Basic Qualifications:-
Minimum of a bachelor’s degree in business, finance, related field or equivalent experience
Minimum of eight years proven and progressive financial services and/or retail sales and operations experience or equivalent, and/or experience as a Branch Manager or equivalent, including proven strong sales results and sales closing abilities
Series six and sixty three and life and health insurance licenses preferred
Strong sales, marketing, planning, managerial, financial, leadership, motivational, project management, coaching, sales management, customer service, communications and interpersonal skills
In-depth knowledge of the credit approval process, pertinent regulations impacting retail and commercial banking activities and delivery systems and channels, including market potential
Understanding of the unique markets served
Thorough understanding of the customer service concept and its importance in developing and expanding account relationships
Ability to provide robust activity management principles, through strong coaching, leadership and sales management skills to drive daily sales activityHSBC is a pay for performance company with policies and programs designed to ensure all employees receive fair and equitable compensation based on performance. Our compensation program is designed to attract, motivate, develop and retain the very best people. We are proud of our comprehensive flexible benefit program. Our program allows our employees to select the features that make the most sense for their individual and/or dependent(s) needs. Our benefit features include, but are not limited to; medical, prescription drug, dental, vision, life insurance, short and long term disability, retirement plans, stock option purchase plan, and a competitive time off program.
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NY-PotsdamMake the Right Move and join a winning team! Build your career with us. HSBC - North America is part of HSBC Group, one of the largest banking and financial services organizations in the world. Our domestic strength and extensive global network provides our employees with the best of both worlds - the friendliness of a local organization and the resources of a worldwide network - for diverse experiences and challenging career opportunities.
Provide financial solutions to current and potential customers through the services and products of Private Client Services. Conduct full needs assessment with current and potential Company customers and recommend appropriate investment and insurance Private Client Services and Company products and services to meet individual needs, based on objectives, risk tolerance and proper asset allocations. Execute transactions with customers and/or refer business to other areas within the Company as appropriate, in accordance with established sales goals. Represent the Company in community organizations and activities to enhance the Company's image and maintain and enhance a referral network for additional sales opportunities. Provide quality service in meeting customer needs, inquiries and problems. Maintain contact with existing customers and referral sources on an on-going basis to identify new or additional sales opportunities.
Lead and develop an effective team through communication, performance management, development plans and reward/recognition practices. Cultivate an environment that supports diversity and reflects the HSBC brand. Complete all sales activity documentation to provide a record for performance tracking and assist in targeting future cross-sell efforts. Coach, mentor and supervise Licensed Sales Professionals the branch-based representatives in assigned branches. Complete other responsibilities, as assigned. Incumbents in the position are assigned to one or more branches. Ensure compliance, operational risk controls in accordance with HSBC or regulatory standards and policies; and optimize relations with regulators by addressing any issues. Promote an environment that supports diversity and reflects the HSBC brand. Maintain HSBC internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators.
Basic Qualifications:-
Bachelor’s degree in business, finance, related field or equivalent experience
Minimum of four years proven non-traditional banking financial sales experience or equivalent
Series 7, 24, 9, 10, 63, 65 or 66 and life and health insurance licenses; Certified Financial Planner preferred
Proven sales, analytical, decision-making, managerial, interpersonal and communications skills
Knowledge of investment products and services delivered, operations supporting them and pertinent regulations affecting their delivery
Ability to work in a team-based environmentHSBC is a pay for performance company with policies and programs designed to ensure all employees receive fair and equitable compensation based on performance. Our compensation program is designed to attract, motivate, develop and retain the very best people. We are proud of our comprehensive flexible benefit program. Our program allows our employees to select the features that make the most sense for their individual and/or dependent(s) needs. Our benefit features include, but are not limited to; medical, prescription drug, dental, vision, life insurance, short and long term disability, retirement plans, stock option purchase plan, and a competitive time off program.
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Position Category: Finance/Accounting
Position Title: Credit Risk Controller
Job Level: Senior Manager
Location: USA - NY - New York
Education Required: Bachelors Degree
Position Description:
Morgan Stanley is seeking a strong candidate for its Credit Risk Control organization to partner with our internal and external clients to ensure the Firm's Risk measurement is complete, accurate and timely for Risk Management, Capital and Financial Reporting.
Credit Risk Controllers are responsible for developing and managing the firm’s counterparty exposure database and enable the accurate and timely monitoring of Counterparty Exposure by Consumers of this information across the Enterprise (e.g., Credit Department, Firm Management, Regulatory Reporting, Business Unit Controllers).
Responsibilities fall into several high level categories:
Improving the control framework by being able to tie out Credit exposure to the books and Records and creating daily exception handling of incorrect data
Working with a cross divisional team to produce a number of financial disclosures for the firm’s quarterly reporting
Liaising with users of counterparty data to determine requirements for new data feeds; management of subsequent data feed creation process and then testing with data providers
Identification of enhancements required to existing data feeds through the means of root cause analysis
A new NY team member is required to assume responsibility for some of Credit Risk Controller’s considerable number of deliverables. The strategic focus for the Global team is to improve the existing quality of the data and improve the overall control framework of the exposure data. The aggressive agenda is the result of the current regulatory environment.
Skills Required:
Experience in Product Controllers or Accounting.
Candidate should demonstrate very strong organizational and resource planning skills in the context of managing projects to timeline
Excellent communication skills are required, with the ability to network appropriately for information and to advertise project progress to a diverse audience
Strong team-working skills are required to manage projects which affect multiple product lines and which require input from outside immediate area
Knowledge of Excel, Word, Power Point, Access, and MS Project
Working knowledge of Derivative Products, Accounting and Risk Management
Understanding of credit/counterparty risk management
Documentation and Collateral are a plus
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Technical Writer responsible for the drafting and coordination of review/approval efforts related to internal and external documentation about a new trading system.
• This resource would work on documentation across the project (Product Management, SI, Marketing, DBS): document writing, editing, document structuring, facilitating the review/approval process. The primary owners/authors of the document will remain accountable for the deliverables throughout but work with the technical writer to achieve the output.
• Documents include Release Guideline, Functional and Technical Release Notes, User Guides
• Experienced technical writer, preferably in financial services, for both internal and external documentation
• Strong command of technology as well as general business concepts
• Quick learner – for documenting of detailed system behavior and more complicated business functionality
• Must be able to deliver high-quality documentation
• Must proactively manage and facilitate the documentation review and approval process
• Must be detail-oriented and apply strict attention to document content, accuracy, format and style.
• Must be able to quickly and efficiently learn about the system and apply complicated business concepts to writing
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Derivatives Business Analyst
Candidate must have substantial experience with:
--Credit derivatives back office operations
--Interest rate derivatives back office operations
--Interfacing between technical and business groups
--Fixed Income products
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Loan Originator – (MetLife Relationship Manager)
The Relationship Manager (forward, A-paper, self generating retail loan originator) is the main channel in which the products and services are delivered. The position is responsible for the ongoing promotion and sale of financial products and services. This position normally reports to the retail Branch Manager or Sales Manager.
Job Description
Summary of Responsibilities:
Originates mortgage loans through solicitation of builder/developers, real estate brokers/agents, and possibly financial institutions by selling the advantages of the company
Calls on trade organizations, typically in assigned geographic are, to obtain FHA/VA or conventional applications
Follows through loan process till closing by working within fairly standardized methods/processes and utilize company standard rates as outlined by their region
Performs and documents complete interview with applicants while obtaining and providing all required documentation as applicable to sales process. Establishes and/or maintains customer database files
Promotes MetLife through involvement in community activities and organizations
This position will be required to continually look for new and improved methods of handling customer interaction. This includes changing procedures as needed to ensure the level of service within the organization is held to a high standard.
Knowledge/Skills/Competencies Required:
Directs operations and sales of assigned district improving profitability, efficiency and loan quality
Candidate should have extensive experience in RETAIL mortgage loan origination and operations; should possess excellent written and verbal communication skills; should have Upper Management experience in a multi-branch, multi-state mortgage RETAIL origination operation and should have the ability to help define and execute the overall business plan of MetLife – Retail. Must be a proven leader by example and team player
Participates, reviews and approves the annual operating budgets and sales forecast of the area
Candidate will be placed in a general office environment; some Regional and National travel may be required
Completes such other activities as required to meet obligations of position.
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Seeking an extraordinary Executive Assistant!! This position requires someone who is pro-active, highly organized and able to work in a constantly changing environment. This is a great opportunity for someone looking to learn and grow from supporting high level executives in an investment bank.Our client is a rapidly growing investment bank that provides financial advisory services and capital raising solutions to clients in connection with mergers and acquisitions, restructurings and other strategic matters. This position is ideal for someone who is looking to work in a fast paced environment with a corporate culture focused on collaboration and team work.
Your Role: Responsibilities include but are not limited to the following:
Schedule meetings, manage daily calendar and handle day to day administrative responsibilities
Prepare agendas, documentation and presentation materials.
Participate in management meetings; take minutes and distribute action items.
Interface with front office staff , prepare briefing documents prior to client meetings.
Project management of small and some larger-scale projects.
Draft and distribute correspondence to staff and clients
Review and approve travel and expenses (T&E Reports).
Arrange all travel - both domestic and international and liaise with other operational departments as needed.
Handle invoices, expenses and T&E's
Manage inboxes, calendars, coordinate meetings/conference calls.
Responsible for filing, copying and faxing.
Qualifications/Personal Attributes:
BS/BA degree required, preferably from a top-tier school.
A minimum of 2 years experience in a financial organization
Ability to multi-task and to anticipate needs
Strong professionalism and interpersonal skills
Should possess strong attention to detail and be able to work under tight deadlines.
Sensitivity to highly confidential information
Strong communication skills both written and verbal and ability to interact comfortably with individuals at all levels.
Advanced MS Word, Excel, PowerPoint and Outlook skills
Hours: 8:00 a.m. -5:00 p.m. with flexibility for OT
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