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Jobs in United States, Marshall

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Company
Job type
Job categories
Job title
United States
State
Marshall
7 jobs found
21.08.2025
USB

US Bank Credit Review Specialist Category Underwriting United States, Texas, Marshall

Limitless High-tech career opportunities - Expoint
Healthcare (medical, dental, vision). Basic term and optional term life insurance. Short-term and long-term disability. Pregnancy disability and parental leave. 401(k) and employer-funded retirement plan. Paid vacation (from two to...
Description:
The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week.
Basic Qualifications
- Bachelor's degree, or equivalent work experience
- Typically one or more years of related experience
Preferred Skills/Experience
- Basic knowledge of credit and risk analysis, economics, accounting and finance
- Strong analytical skills
- Effective verbal and written communication skills

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

  • Healthcare (medical, dental, vision)

  • Basic term and optional term life insurance

  • Short-term and long-term disability

  • Pregnancy disability and parental leave

  • 401(k) and employer-funded retirement plan

  • Paid vacation (from two to five weeks depending on salary grade and tenure)

  • Up to 11 paid holiday opportunities

  • Adoption assistance

  • Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $20.87 - $27.84

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

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21.08.2025
USB

US Bank Client Relationship Consultant Banker - United States, Texas, Marshall

Limitless High-tech career opportunities - Expoint
Healthcare (medical, dental, vision). Basic term and optional term life insurance. Short-term and long-term disability. Pregnancy disability and parental leave. 401(k) and employer-funded retirement plan. Paid vacation (from two to...
Description:
Job Description
This position requires National Mortgage Licensing System (NMLS) registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z. You will be subject to the required registration process, which includes a criminal background and credit check. Failure to meet or maintain any of the NMLS registration requirements, including maintaining a satisfactory criminal and credit record, may result in a rescission of your offer or termination of employment.
Basic Qualifications
- High school diploma or equivalent
- Typically has a minimum three to four years of job-related, retail banking experience or a combination of experience and commensurate training

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

  • Healthcare (medical, dental, vision)

  • Basic term and optional term life insurance

  • Short-term and long-term disability

  • Pregnancy disability and parental leave

  • 401(k) and employer-funded retirement plan

  • Paid vacation (from two to five weeks depending on salary grade and tenure)

  • Up to 11 paid holiday opportunities

  • Adoption assistance

  • Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $20.00 - $20.91

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Show more

These jobs might be a good fit

20.05.2025
USB

US Bank Equipment Finance Collections Customer Service United States, Texas, Marshall

Limitless High-tech career opportunities - Expoint
Answering incoming calls and assist customers with questions and concerns related to their delinquent accounts. Process and respond to U.S. Bank customer inquiries utilizing multiple systems to provide information on...
Description:

Schedule: Monday - Friday 8:00 am - 5:00 pm.Days onsite will beTuesday, Wednesday, and Thursday's. To successfully work remote, you'll need to have a quiet location to work, free from distractions with reliable, hard-wired internet.

Responsibilities Include:

  • Answering incoming calls and assist customers with questions and concerns related to their delinquent accounts.
  • Process and respond to U.S. Bank customer inquiries utilizing multiple systems to provide information on accounts while answering every call with professionalism.
  • Properly diagnose customer needs and proactively educate about the features and benefit of U.S Bank products and services.
  • Ability to maintain a positive attitude during stressful situations.
  • Demonstrate a genuine customer interest in resolving account delinquencies by asking necessary questions to gain understanding of situation and offer solutions.
  • De-escalate situations involving dissatisfied customers, offering patient assistance and support.
  • Guide customers through troubleshooting or navigating the company website.
  • Strive to meet or exceed call center metrics while providing excellent customer service.
  • Ability to research and problem solve on the go.

Our ideal hire will demonstrate the skills below;

  • Basic knowledge of the financial industry.
  • Well-developed Customer Service skills.
  • Strong telephone and interpersonal skills.
  • Good problem solving and negotiation skills.
  • Ability to identify and resolve/escalate problems with minimal guidance.
  • Effective written and verbal communication skills.
  • Proficient computer navigation skills using a variety of software packages including Microsoft Office applications (including Excel and Word).
  • Ability to plan and prioritize multiple processes effectively with strong attention to detail.
  • Good time management skills to maximize the number of clients that can be assisted while maintaining a high level of customer service.

- High school diploma or equivalent
- Two to four years of relevant experience

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

  • Healthcare (medical, dental, vision)

  • Basic term and optional term life insurance

  • Short-term and long-term disability

  • Pregnancy disability and parental leave

  • 401(k) and employer-funded retirement plan

  • Paid vacation (from two to five weeks depending on salary grade and tenure)

  • Up to 11 paid holiday opportunities

  • Adoption assistance

  • Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $20.00 - $20.00 - $22.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Show more

These jobs might be a good fit

20.05.2025
USB

US Bank Equipment Finance Collections Customer Service United States, Texas, Marshall

Limitless High-tech career opportunities - Expoint
Answering incoming calls and assist customers with questions and concerns related to their delinquent accounts. Process and respond to U.S. Bank customer inquiries utilizing multiple systems to provide information on...
Description:

Schedule: Monday - Friday 8:00 am - 5:00 pm.Days onsite will beTuesday, Wednesday, and Thursday's. To successfully work remote, you'll need to have a quiet location to work, free from distractions with reliable, hard-wired internet.

Responsibilities Include:

  • Answering incoming calls and assist customers with questions and concerns related to their delinquent accounts.
  • Process and respond to U.S. Bank customer inquiries utilizing multiple systems to provide information on accounts while answering every call with professionalism.
  • Properly diagnose customer needs and proactively educate about the features and benefit of U.S Bank products and services.
  • Ability to maintain a positive attitude during stressful situations.
  • Demonstrate a genuine customer interest in resolving account delinquencies by asking necessary questions to gain understanding of situation and offer solutions.
  • De-escalate situations involving dissatisfied customers, offering patient assistance and support.
  • Guide customers through troubleshooting or navigating the company website.
  • Strive to meet or exceed call center metrics while providing excellent customer service.
  • Ability to research and problem solve on the go.

Our ideal hire will demonstrate the skills below;

  • Basic knowledge of the financial industry.
  • Well-developed Customer Service skills.
  • Strong telephone and interpersonal skills.
  • Good problem solving and negotiation skills.
  • Ability to identify and resolve/escalate problems with minimal guidance.
  • Effective written and verbal communication skills.
  • Proficient computer navigation skills using a variety of software packages including Microsoft Office applications (including Excel and Word).
  • Ability to plan and prioritize multiple processes effectively with strong attention to detail.
  • Good time management skills to maximize the number of clients that can be assisted while maintaining a high level of customer service.

- High school diploma or equivalent
- Two to four years of relevant experience

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

  • Healthcare (medical, dental, vision)

  • Basic term and optional term life insurance

  • Short-term and long-term disability

  • Pregnancy disability and parental leave

  • 401(k) and employer-funded retirement plan

  • Paid vacation (from two to five weeks depending on salary grade and tenure)

  • Up to 11 paid holiday opportunities

  • Adoption assistance

  • Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $20.00 - $20.00 - $22.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Show more

These jobs might be a good fit

20.05.2025
USB

US Bank Credit Review Specialist Category Underwriting United States, Texas, Marshall

Limitless High-tech career opportunities - Expoint
Healthcare (medical, dental, vision). Basic term and optional term life insurance. Short-term and long-term disability. Pregnancy disability and parental leave. 401(k) and employer-funded retirement plan. Paid vacation (from two to...
Description:
Job Description
Basic Qualifications
- Bachelor's degree, or equivalent work experience
- Typically three or more years of related experience
Preferred Skills/Experience
- Well-developed credit analysis and analytical skills
- Thorough knowledge of credit administration, policy and procedures
- Thorough knowledge of economics, accounting, and finance
- Good knowledge of risk analysis
- Effective technical report writing skills
- Effective verbal and written communication skills

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

  • Healthcare (medical, dental, vision)

  • Basic term and optional term life insurance

  • Short-term and long-term disability

  • Pregnancy disability and parental leave

  • 401(k) and employer-funded retirement plan

  • Paid vacation (from two to five weeks depending on salary grade and tenure)

  • Up to 11 paid holiday opportunities

  • Adoption assistance

  • Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $26.35 - $35.10 - $38.61

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Show more

These jobs might be a good fit

07.05.2025
USB

US Bank Credit Review Specialist Category Underwriting United States, Texas, Marshall

Limitless High-tech career opportunities - Expoint
Bachelor's degree, or equivalent work experience. Typically three or more years of related experience. Well-developed credit analysis and analytical skills. Thorough knowledge of credit administration, policy and procedures. Thorough knowledge...
Description:
Job Description
Basic Qualifications
  • Bachelor's degree, or equivalent work experience
  • Typically three or more years of related experience
Preferred Skills/Experience
  • Well-developed credit analysis and analytical skills
  • Thorough knowledge of credit administration, policy and procedures
  • Thorough knowledge of economics, accounting, and finance
  • Good knowledge of risk analysis
  • Effective technical report writing skills
  • Effective verbal and written communication skills

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

  • Healthcare (medical, dental, vision)

  • Basic term and optional term life insurance

  • Short-term and long-term disability

  • Pregnancy disability and parental leave

  • 401(k) and employer-funded retirement plan

  • Paid vacation (from two to five weeks depending on salary grade and tenure)

  • Up to 11 paid holiday opportunities

  • Adoption assistance

  • Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $26.35 - $35.10 - $38.61

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Show more

These jobs might be a good fit

02.04.2025
USB

US Bank Project Analyst Category Corporate Functions United States, Texas, Marshall

Limitless High-tech career opportunities - Expoint
Participate and lead Client Strategy and Pricing projects as assigned. Develop QC procedures. Execute QC procedures as required per controls. Collaborate with organizational teams to review findings and initiate process...
Description:
Job Description

Project leadership

  • Participate and lead Client Strategy and Pricing projects as assigned

Quality Control (QC)

  • Develop QC procedures
  • Execute QC procedures as required per controls
  • Collaborate with organizational teams to review findings and initiate process documentation modification if necessary

Operational Risk & Customer Remediation

  • Subject Matter Expert (SME) on the process and reporting
  • Work with various parties to gather facts for reporting
  • Work with impacted team members to modify processes to address reportable events

Documentation

  • Subject Matter Expert (SME) on the process creating and maintaining Standard Operating Procedures Manuals (SOPM) and Desk Manuals in collaboration with Equipment Finance Change Control

Basic Qualifications

  • Bachelor’s degree, or equivalent work experience
  • Typically three to five years of related experience

Preferred Skills/Experience

  • Thorough knowledge of assigned business line or functional area
  • Strong organizational and analytical skills
  • Thorough knowledge of project management
  • Ability to identify and resolve exceptions and to analyze data
  • Demonstrated leadership skills

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

  • Healthcare (medical, dental, vision)

  • Basic term and optional term life insurance

  • Short-term and long-term disability

  • Pregnancy disability and parental leave

  • 401(k) and employer-funded retirement plan

  • Paid vacation (from two to five weeks depending on salary grade and tenure)

  • Up to 11 paid holiday opportunities

  • Adoption assistance

  • Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

EEO is the Law

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $62,050.00 - $73,000.00 - $80,300.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Show more

These jobs might be a good fit

Limitless High-tech career opportunities - Expoint
Healthcare (medical, dental, vision). Basic term and optional term life insurance. Short-term and long-term disability. Pregnancy disability and parental leave. 401(k) and employer-funded retirement plan. Paid vacation (from two to...
Description:
The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week.
Basic Qualifications
- Bachelor's degree, or equivalent work experience
- Typically one or more years of related experience
Preferred Skills/Experience
- Basic knowledge of credit and risk analysis, economics, accounting and finance
- Strong analytical skills
- Effective verbal and written communication skills

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

  • Healthcare (medical, dental, vision)

  • Basic term and optional term life insurance

  • Short-term and long-term disability

  • Pregnancy disability and parental leave

  • 401(k) and employer-funded retirement plan

  • Paid vacation (from two to five weeks depending on salary grade and tenure)

  • Up to 11 paid holiday opportunities

  • Adoption assistance

  • Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $20.87 - $27.84

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Show more
Open vacancies in United States, Marshall. Working in United States, Marshall is no longer a dream. Discover leading companies' jobs openings, currently hiring in the most desirable countries with Expoint. Start building your future today, sign up to Expoint and take on the challenge.