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Administration Jobs overseas

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VP, Contract Administration at Empire State
New York, New York, United States - Full Time
Skills Needed
Contract Administration, Procurement, Risk Management, Negotiation, Compliance, Leadership, Project Management, Insurance, Vendor Management, Audit, Mwbe, Sdvob, Communication, Analytical Skills, Internal Controls, Nys Procurement Guidelines
Specialization
A Bachelor’s Degree in a relevant field is required, with a preference for a Master’s Degree. Candidates should have 8+ years of relevant experience, including supervisory and management responsibilities.
Experience Required
Minimum 10 year(s)
Temporary IT Administration at RIFLE LLC
Maitland, Florida, United States - Full Time
Skills Needed
It Support, Troubleshooting, Hardware Maintenance, Windows Operating Systems, Networking Basics, Google Workspace, Microsoft 365, Active Directory, Okta, Erp Systems, Mdm Tools, Problem Solving, Communication, Customer Service, Adaptability, Documentation
Specialization
3 to 5 years of IT support experience is required, with a preference for experience in retail or warehouse environments. Familiarity with various operating systems and IT certifications is also preferred.
Experience Required
Minimum 2 year(s)
Team Leader, Administration at theroyalch
Melbourne, Victoria, Australia - Full Time
Skills Needed
Leadership, Communication, Interpersonal Skills, Team Management, Data Analysis, Customer Service, Collaboration, Continuous Improvement, Compliance, Operational Management, Coaching, Relationship Building, Initiative, Autonomy, Service Delivery, Quality Assurance
Specialization
Candidates should have demonstrated experience in leading teams and individual performance in a service delivery environment, along with strong communication and interpersonal skills. Experience with database systems for reporting and data analysis is also required.
Experience Required
Minimum 2 year(s)
Fleet Administration Intern at Avis Budget Group
, , Italy - Full Time
Skills Needed
Economic Analysis, Cost Analysis, Communication Skills, Teamwork, Office 365 Proficiency, Stakeholder Management, Time Management, Project Management, Compliance Knowledge, Data Management, Reporting Skills, Vehicle Leasing Operations, Inventory Reconciliation, Sales Validation, Operational Reporting, Customer Communication
Specialization
A degree in economic, statistical, or management engineering disciplines is preferred, along with good analytical skills and a solid understanding of cost analysis. Proficiency in English and Office 365, along with strong communication and teamwork abilities, are essential.
Manager, WFM Administration at Percepta South Africa
Manila, Metro Manila, Philippines - Full Time
Skills Needed
Leadership, Mentoring, Coaching, Risk Mitigation, Organizational Skills, Decision Making, Ms Office, Problem Solving
Specialization
The role requires a minimum of 3 years of supervisory experience and strong organizational skills. Candidates should demonstrate advanced MS Office skills and the ability to manage difficult situations effectively.
Experience Required
Minimum 5 year(s)
Administration Office Staff at Favorite Brands LLC
Farmers Branch, Texas, United States - Full Time
Skills Needed
Clerical Skills, Customer Service Skills, Computer Skills, Math Skills, Accounting Research, Invoice Management, Payment Processing, File Maintenance, Cross Training, Credit Processing, Professional Communication, Order Processing, Accounts Payable, Accounts Receivable, Customer Interaction, Invoice Tracking
Specialization
A qualified Administrative Assistant must have at least 1 year of related experience and possess excellent clerical and customer service skills. Solid computer and math skills are also required.
Wissenschaftliche Beschäftigte (m/w/d) Zur Administration Und Weiterentwick at Greenfix Property Care
Hamfelde in Lauenburg, Schleswig-Holstein, Germany - Full Time
Skills Needed
Atlassian Confluence, Enterprise Wiki, Administration, Development, Digitalization, It Competence
Accommodation & Administration Leading Hand | FIFO | 2:1 | Granny Smith Vil at Sodexo
, Western Australia, Australia - Full Time
Skills Needed
Accommodation Management, Administration, Problem Solving, Communication, Attention To Detail, Team Leadership, Training, Budget Management, Microsoft Office, Booking Systems, Hse Compliance, Record Keeping, Guest Services, Workflow Coordination, Mentoring, Organizational Skills
Specialization
Candidates should have 2-5 years of experience in accommodation or administration, preferably in hospitality or village operations. A Diploma or higher in Business or Administration is preferred.
Experience Required
Minimum 2 year(s)
Praktikum im Bereich Marketing, Kommunikation und Administration Kundentrai at Bosch Group
Ulm, Baden-Württemberg, Germany - Full Time
Skills Needed
Marketing, Communication, Administration, Creativity, Ms Office, Adobe Photoshop, Adobe Indesign, Adobe Premiere, Video Editing, Social Media, Event Organization, Training Development, German, English
Specialization
A degree in Marketing, Business Administration, Corporate Communication, or a related field is required. Proficiency in MS Office and Adobe software, along with strong German and English language skills, is essential.
Community Service Officer Administration Assistant - Griffith - Talent Pool at Department Of Family And Community Services nsw
Griffith, New South Wales, Australia - Full Time
Skills Needed
Administration, Community Service, Work Order Program, Site Inspections, Client Management, Data Recording, Health And Safety, Communication, Teamwork, Problem Solving, Diversity Awareness, Organizational Skills, Report Generation, Client Assessment, Agency Coordination, Workplace Inspections
Specialization
Candidates should demonstrate a willingness to learn about the Community Service Work Order Scheme and engage with diverse individuals. A current driver's license and successful completion of community service training are also required.
Undergraduate Placement Year 2026 – Project Administration & Co-ordination at Bosch Group
Worcester, England, United Kingdom - Full Time
Skills Needed
Project Coordination, Administration, Customer Service, Organizational Skills, Planning Skills, Communication Skills, Attention To Detail, Teamwork, Initiative
Specialization
Candidates must be undergraduate students seeking a placement year, ideally studying business or project management. Good computer literacy, organizational skills, and the ability to communicate effectively are essential.
Client Care Representative | Clinical Administration - Full-Time or Part-Ti at Sonova AG
Mount Barker, South Australia, Australia - Full Time
Skills Needed
Customer Service, Administration, Communication, Active Listening, Organisational Skills, Time Management, Teamwork, Resilience, Self Motivation, Energy, Computer Skills, Hearing Aids Knowledge
Specialization
Prior experience in face-to-face customer service or administration is required, along with a passion for delivering an amazing client experience. Strong communication, organisational skills, and the ability to work autonomously are essential.
Park Maitland School: Future Opportunities in Teaching, Administration, and at Spring Education Group
Maitland, Florida, United States - Full Time
Skills Needed
Teaching, Administration, Support, Leadership, Curriculum Development, Student Engagement, Organizational Skills, Character Development, Community Building, Innovative Instruction, Summer Camp Activities, Holistic Education, Extracurricular Activities, Professional Development, Family Centered Atmosphere, Academic Excellence
Specialization
Candidates should demonstrate a passion for education and a commitment to fostering a supportive school community. Experience in teaching, administration, or support roles is beneficial.
Container Control and Administration Officer - 4 month fixed term contract at The Wonderful Company
Port Vila, Shefa Province, Vanuatu - Full Time
Skills Needed
Customer Service, Administration, Communication, Interpersonal Skills, Attention To Detail, Time Management, Problem Solving, Microsoft Word, Microsoft Excel, Container Control, Data Integrity, Coordination, Dispatch, Vbs Monitoring, Discrepancy Resolution, Team Collaboration
Specialization
The ideal candidate should have experience in administration or customer service roles, with strong communication and interpersonal skills. A can-do attitude, attention to detail, and proficiency in Microsoft Office are also essential.
Vi söker framtida stjärnor inom Kundtjänst, Administration & Försäljning! at Bravura
Timrå District, Västernorrland County, Sweden - Full Time
Skills Needed
Customer Service, Administration, Sales, Communication, Teamwork, Attention To Detail, Problem Solving, Document Management, Scheduling, Reporting, Client Interaction, Service Orientation, Order Processing, Support Handling, Organizational Skills, Positive Attitude
Specialization
Candidates should enjoy interacting with people and possess a professional communication style. Experience or interest in roles such as customer service representative, administrator, or receptionist is preferred.
Gestionnaire Administration du personnel / Assistant d'agence (F/H) - CDD at Scalian Inc
Toulouse, Occitania, France - Full Time
Skills Needed
Human Resources, Administration, Labor Law, Communication Tools, Organization, Confidentiality, Team Spirit, Autonomy
Specialization
Candidates should have a minimum of a Bac +2 degree in management, HR, or assistance, along with at least 3 years of experience in a similar role, preferably in a multi-site environment. Strong knowledge of personnel administration and labor law is essential.
Experience Required
Minimum 2 year(s)
Gestionnaire expert en administration des ventes (h/f) - CDI - Courbevoie ( at I-TRACING
Courbevoie, Ile-de-France, France - Full Time
Skills Needed
Administration, Sales Management, Client Relationship Management, Contract Management, Billing, Crm Tools, Erp Systems, Attention To Detail, Communication Skills, Analytical Skills, Process Optimization, Team Collaboration, Problem Solving, Data Management, Customer Service, Technical Knowledge
Specialization
Candidates should have a higher education degree and at least 5 years of experience in a similar role, preferably in an IT services company. A strong interest in cybersecurity and technology innovations, along with proficiency in CRM and ERP tools, is essential.
Experience Required
Minimum 5 year(s)
Client Care Representative | Clinical Administration | FT - Alexandra Hills at Sonova AG
, Queensland, Australia - Full Time
Skills Needed
Customer Service, Administration, Communication, Active Listening, Organizational Skills, Time Management, Teamwork, Computer Skills, Client Experience, Resilience, Self Motivation, Energy, Results Focus, Hearing Aids Knowledge
Specialization
Candidates should have prior experience in customer service or administration and a passion for delivering excellent client experiences. Strong communication, organizational skills, and the ability to work both autonomously and in a team are essential.
Associate, Debt Administration / Loan Administration at MUFG Investor Services
Toronto, Ontario, Canada - Full Time
Skills Needed
Fund Operations, Fund Accounting, Accounting, Ms Office, Loans, Credit, Bonds
Specialization
Experience in fund operations, fund accounting, or accounting is an asset but not required. A good educational background in a numeric field is preferred, along with familiarity with loans, credit, and bonds.
Associate, Debt Administration / Loan Administration at MUFG Investor Services
Halifax, Nova Scotia, Canada - Full Time
Skills Needed
Fund Operations, Fund Accounting, Accounting, Ms Office, Loans, Credit, Bonds
Specialization
Experience in fund operations, fund accounting, or accounting is an asset, but not required. A good educational background in a numeric field is preferred, along with familiarity with loans, credit, and bonds.
VP, Contract Administration at Empire State
New York, New York, United States -
Full Time

Start Date

Immediate

Expiry Date

01 Feb, 26

Salary

0.0

Posted On

03 Nov, 25

Experience

10 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

No

Skills

Contract Administration, Procurement, Risk Management, Negotiation, Compliance, Leadership, Project Management, Insurance, Vendor Management, Audit, MWBE, SDVOB, Communication, Analytical Skills, Internal Controls, NYS Procurement Guidelines

Industry

Economic Programs

Description
*Applicants MUST submit a cover letter with resume to be considered. *This position will require in-office presence. Hybrid work schedules may be possible based on specific job duties and consistent with ESD policy. *Minorities, women, and individuals with disabilities are encouraged to apply. Please contact Human Resources if you require an accommodation.   BASIC FUNCTION: Administer the Corporation’s contract portfolio, including procurement contracts, leases, loans and grants and serve as the Corporation’s primary advisor on all procurement and contract matters. Oversee ESD’s efforts to utilize Minority and Women-Owned Business Enterprises (MWBE) and Service-Disabled Veteran Owned Business (SDVOB) to ensure compliance with Article 15-A of New York State Executive Law and Article 3 of New York State Veterans’ Services Law.  Manage ESD’s Insurance and Risk Management Department to protect ESD and its subsidiaries against financial loss and limit risk exposure. Oversee the procurement of goods and services on behalf of ESD and its Subsidiaries. Lead a team of 30 professionals. WORK PERFORMED: * Review and sign-off on RFIs, RFQs, RFPs, notices to proceed, contract reporter exemption requests, Board Directors’ materials and proposed contract packages.  * Identify opportunities for procurement and develop scopes of work and deliverables for ESD to procure work even where it previously was not procured competitively. * Manage and Support selection committees for specific RFPs to ensure that proper procurement processes are followed and addressed in proposal scorings. * Oversee the audit of vendor/grantee requests for payment for compliance with contract terms and conditions. * Negotiate corporate and subsidiary contracts and change orders on projects to ensure corporate cost savings. * Assist and support ESD subsidiary presidents with subsidiary project management, as needed. * Oversee the research, development and negotiation of MWBE and SDVOB participation goals with project sponsors, developers or other entities with whom ESD will engage in contractual relationships. * Responsible for the monitoring of compliance with pre-established MWBE and SDVOB goals.   * Participate in Statewide and regional MWBE and SDVOB outreach events as required. * Coordinate with ESD’s insurance broker and insurance consultant for the annual solicitation of insurance premium quotes from insurance carriers to purchase various types of insurance policies to protect ESD and its subsidiaries, employees and assets. * Confirm the appropriate types of insurance coverage and insurance limits for all ESD projects. * Coordinate and manage bid openings. * Oversee the New York State Grants Reform initiative for vendor prequalification for not-for-profit grants in the State grants gateway system. * Prepare and maintain various reports on a quarterly and annual basis for presentation to the ESD Board. * Maintain ESD’s signing authorizations and assist with the implementation and monitoring of internal controls. * Ensure compliance with all the Office of the State Comptroller contract requirements.  * Support the Chief Financial Officer and complete special projects, as requested.   MINIMUM REQUIREMENTS: Education Level required: Bachelor’s Degree in a relevant field (master’s degree a plus).  Excellent written and verbal communication skills and analytical skills. Relevant Experience required: 8+ years of relevant business or government experience, including some supervisory and management responsibility experience.  Knowledge required: Familiarity with internal auditing practices; internal controls; NYS procurement guidelines; and State MWBE and SDVOB requirements. Outstanding leadership skills and the ability to work well with a diverse community of ESD colleagues and external business partners.
Responsibilities
Administer the Corporation’s contract portfolio and serve as the primary advisor on procurement and contract matters. Oversee efforts to utilize MWBE and SDVOB while managing the Insurance and Risk Management Department.
VP, Contract Administration at Empire State
New York, New York, United States - Full Time
Skills Needed
Contract Administration, Procurement, Risk Management, Negotiation, Compliance, Leadership, Project Management, Insurance, Vendor Management, Audit, Mwbe, Sdvob, Communication, Analytical Skills, Internal Controls, Nys Procurement Guidelines
Specialization
A Bachelor’s Degree in a relevant field is required, with a preference for a Master’s Degree. Candidates should have 8+ years of relevant experience, including supervisory and management responsibilities.
Experience Required
Minimum 10 year(s)
Temporary IT Administration at RIFLE LLC
Maitland, Florida, United States - Full Time
Skills Needed
It Support, Troubleshooting, Hardware Maintenance, Windows Operating Systems, Networking Basics, Google Workspace, Microsoft 365, Active Directory, Okta, Erp Systems, Mdm Tools, Problem Solving, Communication, Customer Service, Adaptability, Documentation
Specialization
3 to 5 years of IT support experience is required, with a preference for experience in retail or warehouse environments. Familiarity with various operating systems and IT certifications is also preferred.
Experience Required
Minimum 2 year(s)
Team Leader, Administration at theroyalch
Melbourne, Victoria, Australia - Full Time
Skills Needed
Leadership, Communication, Interpersonal Skills, Team Management, Data Analysis, Customer Service, Collaboration, Continuous Improvement, Compliance, Operational Management, Coaching, Relationship Building, Initiative, Autonomy, Service Delivery, Quality Assurance
Specialization
Candidates should have demonstrated experience in leading teams and individual performance in a service delivery environment, along with strong communication and interpersonal skills. Experience with database systems for reporting and data analysis is also required.
Experience Required
Minimum 2 year(s)
Fleet Administration Intern at Avis Budget Group
, , Italy - Full Time
Skills Needed
Economic Analysis, Cost Analysis, Communication Skills, Teamwork, Office 365 Proficiency, Stakeholder Management, Time Management, Project Management, Compliance Knowledge, Data Management, Reporting Skills, Vehicle Leasing Operations, Inventory Reconciliation, Sales Validation, Operational Reporting, Customer Communication
Specialization
A degree in economic, statistical, or management engineering disciplines is preferred, along with good analytical skills and a solid understanding of cost analysis. Proficiency in English and Office 365, along with strong communication and teamwork abilities, are essential.
Manager, WFM Administration at Percepta South Africa
Manila, Metro Manila, Philippines - Full Time
Skills Needed
Leadership, Mentoring, Coaching, Risk Mitigation, Organizational Skills, Decision Making, Ms Office, Problem Solving
Specialization
The role requires a minimum of 3 years of supervisory experience and strong organizational skills. Candidates should demonstrate advanced MS Office skills and the ability to manage difficult situations effectively.
Experience Required
Minimum 5 year(s)
Administration Office Staff at Favorite Brands LLC
Farmers Branch, Texas, United States - Full Time
Skills Needed
Clerical Skills, Customer Service Skills, Computer Skills, Math Skills, Accounting Research, Invoice Management, Payment Processing, File Maintenance, Cross Training, Credit Processing, Professional Communication, Order Processing, Accounts Payable, Accounts Receivable, Customer Interaction, Invoice Tracking
Specialization
A qualified Administrative Assistant must have at least 1 year of related experience and possess excellent clerical and customer service skills. Solid computer and math skills are also required.
Wissenschaftliche Beschäftigte (m/w/d) Zur Administration Und Weiterentwick at Greenfix Property Care
Hamfelde in Lauenburg, Schleswig-Holstein, Germany - Full Time
Skills Needed
Atlassian Confluence, Enterprise Wiki, Administration, Development, Digitalization, It Competence
Accommodation & Administration Leading Hand | FIFO | 2:1 | Granny Smith Vil at Sodexo
, Western Australia, Australia - Full Time
Skills Needed
Accommodation Management, Administration, Problem Solving, Communication, Attention To Detail, Team Leadership, Training, Budget Management, Microsoft Office, Booking Systems, Hse Compliance, Record Keeping, Guest Services, Workflow Coordination, Mentoring, Organizational Skills
Specialization
Candidates should have 2-5 years of experience in accommodation or administration, preferably in hospitality or village operations. A Diploma or higher in Business or Administration is preferred.
Experience Required
Minimum 2 year(s)
Praktikum im Bereich Marketing, Kommunikation und Administration Kundentrai at Bosch Group
Ulm, Baden-Württemberg, Germany - Full Time
Skills Needed
Marketing, Communication, Administration, Creativity, Ms Office, Adobe Photoshop, Adobe Indesign, Adobe Premiere, Video Editing, Social Media, Event Organization, Training Development, German, English
Specialization
A degree in Marketing, Business Administration, Corporate Communication, or a related field is required. Proficiency in MS Office and Adobe software, along with strong German and English language skills, is essential.
Community Service Officer Administration Assistant - Griffith - Talent Pool at Department Of Family And Community Services nsw
Griffith, New South Wales, Australia - Full Time
Skills Needed
Administration, Community Service, Work Order Program, Site Inspections, Client Management, Data Recording, Health And Safety, Communication, Teamwork, Problem Solving, Diversity Awareness, Organizational Skills, Report Generation, Client Assessment, Agency Coordination, Workplace Inspections
Specialization
Candidates should demonstrate a willingness to learn about the Community Service Work Order Scheme and engage with diverse individuals. A current driver's license and successful completion of community service training are also required.
Undergraduate Placement Year 2026 – Project Administration & Co-ordination at Bosch Group
Worcester, England, United Kingdom - Full Time
Skills Needed
Project Coordination, Administration, Customer Service, Organizational Skills, Planning Skills, Communication Skills, Attention To Detail, Teamwork, Initiative
Specialization
Candidates must be undergraduate students seeking a placement year, ideally studying business or project management. Good computer literacy, organizational skills, and the ability to communicate effectively are essential.
Client Care Representative | Clinical Administration - Full-Time or Part-Ti at Sonova AG
Mount Barker, South Australia, Australia - Full Time
Skills Needed
Customer Service, Administration, Communication, Active Listening, Organisational Skills, Time Management, Teamwork, Resilience, Self Motivation, Energy, Computer Skills, Hearing Aids Knowledge
Specialization
Prior experience in face-to-face customer service or administration is required, along with a passion for delivering an amazing client experience. Strong communication, organisational skills, and the ability to work autonomously are essential.
Park Maitland School: Future Opportunities in Teaching, Administration, and at Spring Education Group
Maitland, Florida, United States - Full Time
Skills Needed
Teaching, Administration, Support, Leadership, Curriculum Development, Student Engagement, Organizational Skills, Character Development, Community Building, Innovative Instruction, Summer Camp Activities, Holistic Education, Extracurricular Activities, Professional Development, Family Centered Atmosphere, Academic Excellence
Specialization
Candidates should demonstrate a passion for education and a commitment to fostering a supportive school community. Experience in teaching, administration, or support roles is beneficial.
Container Control and Administration Officer - 4 month fixed term contract at The Wonderful Company
Port Vila, Shefa Province, Vanuatu - Full Time
Skills Needed
Customer Service, Administration, Communication, Interpersonal Skills, Attention To Detail, Time Management, Problem Solving, Microsoft Word, Microsoft Excel, Container Control, Data Integrity, Coordination, Dispatch, Vbs Monitoring, Discrepancy Resolution, Team Collaboration
Specialization
The ideal candidate should have experience in administration or customer service roles, with strong communication and interpersonal skills. A can-do attitude, attention to detail, and proficiency in Microsoft Office are also essential.
Vi söker framtida stjärnor inom Kundtjänst, Administration & Försäljning! at Bravura
Timrå District, Västernorrland County, Sweden - Full Time
Skills Needed
Customer Service, Administration, Sales, Communication, Teamwork, Attention To Detail, Problem Solving, Document Management, Scheduling, Reporting, Client Interaction, Service Orientation, Order Processing, Support Handling, Organizational Skills, Positive Attitude
Specialization
Candidates should enjoy interacting with people and possess a professional communication style. Experience or interest in roles such as customer service representative, administrator, or receptionist is preferred.
Gestionnaire Administration du personnel / Assistant d'agence (F/H) - CDD at Scalian Inc
Toulouse, Occitania, France - Full Time
Skills Needed
Human Resources, Administration, Labor Law, Communication Tools, Organization, Confidentiality, Team Spirit, Autonomy
Specialization
Candidates should have a minimum of a Bac +2 degree in management, HR, or assistance, along with at least 3 years of experience in a similar role, preferably in a multi-site environment. Strong knowledge of personnel administration and labor law is essential.
Experience Required
Minimum 2 year(s)
Gestionnaire expert en administration des ventes (h/f) - CDI - Courbevoie ( at I-TRACING
Courbevoie, Ile-de-France, France - Full Time
Skills Needed
Administration, Sales Management, Client Relationship Management, Contract Management, Billing, Crm Tools, Erp Systems, Attention To Detail, Communication Skills, Analytical Skills, Process Optimization, Team Collaboration, Problem Solving, Data Management, Customer Service, Technical Knowledge
Specialization
Candidates should have a higher education degree and at least 5 years of experience in a similar role, preferably in an IT services company. A strong interest in cybersecurity and technology innovations, along with proficiency in CRM and ERP tools, is essential.
Experience Required
Minimum 5 year(s)
Client Care Representative | Clinical Administration | FT - Alexandra Hills at Sonova AG
, Queensland, Australia - Full Time
Skills Needed
Customer Service, Administration, Communication, Active Listening, Organizational Skills, Time Management, Teamwork, Computer Skills, Client Experience, Resilience, Self Motivation, Energy, Results Focus, Hearing Aids Knowledge
Specialization
Candidates should have prior experience in customer service or administration and a passion for delivering excellent client experiences. Strong communication, organizational skills, and the ability to work both autonomously and in a team are essential.
Associate, Debt Administration / Loan Administration at MUFG Investor Services
Toronto, Ontario, Canada - Full Time
Skills Needed
Fund Operations, Fund Accounting, Accounting, Ms Office, Loans, Credit, Bonds
Specialization
Experience in fund operations, fund accounting, or accounting is an asset but not required. A good educational background in a numeric field is preferred, along with familiarity with loans, credit, and bonds.
Associate, Debt Administration / Loan Administration at MUFG Investor Services
Halifax, Nova Scotia, Canada - Full Time
Skills Needed
Fund Operations, Fund Accounting, Accounting, Ms Office, Loans, Credit, Bonds
Specialization
Experience in fund operations, fund accounting, or accounting is an asset, but not required. A good educational background in a numeric field is preferred, along with familiarity with loans, credit, and bonds.