sales mgr

Firefighters Move U

Company Description Firefighters Move U KY is a growing professional moving company providing residential, commercial, local, and long-distance moving services. We work with homeowners, businesses, apartment communities, property managers, senior living communities, real estate professionals, and other referral partners to deliver efficient, professional, and stress-free moving experiences. Our company is built on urgency, accountability, customer service, and strong communication, and we are looking for a proven sales professional to help drive revenue growth and strengthen our sales operation.Role Description This is a full-time hybrid role for a Sales Manager based in Nicholasville, KY. This position is responsible for helping grow revenue through inbound lead conversion, consistent follow-up, business development, relationship management, and overall sales performance. The Sales Manager will play a major role in improving close rates, increasing booked jobs, building referral partnerships, and bringing structure and accountability to the sales process.This is not an entry-level sales role. We are looking for someone with real sales experience who understands how to communicate value, build trust, follow up consistently, ask for the business, and produce results. Experience in the moving industry is strongly preferred. Candidates with strong experience in home services, logistics, restoration, relocation, or other service-based sales environments may also be considered.Key Responsibilities<ul><li>Handle inbound leads, calls, quote requests, and follow-up opportunities with urgency and professionalism</li><li>Convert inbound opportunities into booked jobs through strong communication and consistent follow-up</li><li>Help build, improve, and maintain the company&rsquo;s sales process, lead handling standards, and pipeline discipline</li><li>Maintain accurate CRM notes, lead statuses, and customer information</li><li>Help ensure quotes are accurate, clearly communicated, and aligned with operational capabilities</li><li>Build and maintain referral relationships with real estate offices, apartment communities, senior living communities, property managers, restoration companies, storage facilities, and other business partners</li><li>Conduct local outreach and business development to generate new referral opportunities</li><li>Track sales performance, lead activity, follow-up effectiveness, and close rates</li><li>Work closely with ownership and operations to improve sales results and customer experience</li><li>Bring leadership, accountability, and performance expectations to the sales function</li></ul>Qualifications<ul><li>Proven sales experience with a strong record of closing business and driving revenue</li><li>Sales leadership, lead management, or business development experience strongly preferred</li><li>Moving industry sales experience strongly preferred</li><li>Experience in relocation, logistics, restoration, home services, or similar service-based sales is a plus</li><li>Strong phone, in-person, and written communication skills</li><li>Strong negotiation, follow-up, and relationship-building ability</li><li>Experience using CRM systems and managing a sales pipeline effectively</li><li>Organized, detail-oriented, and able to manage multiple opportunities at once</li><li>Self-motivated, accountable, and comfortable working in a fast-paced environment</li><li>Valid driver&rsquo;s license and reliable transportation</li></ul>Compensation Compensation includes base pay plus performance-based incentives. We are looking for someone who wants to be rewarded for results. Incentive opportunities will be tied to performance and may include booked jobs, close rate, lead conversion, referral growth, revenue contribution, and overall sales impact. Compensation will depend on experience, industry background, and proven ability to perform.Why Join Firefighters Move U KY This is an opportunity to step into a growing company where sales performance matters and strong results are recognized. If you have real sales experience, know how to close, and want a role where you can directly impact revenue and growth, we want to hear from youJob Type: Full-timePay: $45,000.00 - $75,000.00 per yearBenefits:<ul><li>Paid time off</li></ul>Work Location: Hybrid remote in Nicholasville, KY 40356

Sales Manager

Artan Holding

<div>
 Job Details
 
 
 Print Job Details Download as PDF
 
 
 Key Relationships
 
 
 <ul>
 <li>
 Internal: Managing Director, Assistant Sales Manager, PPME staff
 </li>
 <li>
 External: Clients, Suppliers, Government authorities
 
 
 </li>
 </ul>
 Accountabilities
 
 
 <ul>
 <li>
 Continuously gather information on new oil and gas projects and contractors, keeping management informed, while maintaining regular contact to explore additional business opportunities.
 </li>
 <li>
 Negotiating and closing sales based on Prime Power&rsquo;s terms and conditions; follow up with clients on receivables.
 
 
 </li>
 </ul>
 Duties and Responsibilities
 
 
 <ul>
 <li>
 Prospecting for new clients who could benefit from our services; drawing up a sales plan within assigned territory.
 </li>
 <li>
 Ensuring that the sales volume and budgetary forecast are achieved in line with the set goals and policies of the Company.
 </li>
 <li>
 Collecting market intelligence on various projects for the year and preparing the budget based on market forecasts.
 </li>
 <li>
 Establishing new and maintaining existing relationships with clients in the allocated regions.
 </li>
 <li>
 Regularly visiting potential clients and ensuring that the sales deal is secured.
 </li>
 <li>
 Accurately understanding &amp; interpreting client requirements and fulfilling needs to their satisfaction.
 </li>
 <li>
 Preparing client quotations; negotiating tender and contract terms with clients.
 </li>
 <li>
 Gain full understanding of the technical capabilities of the company&rsquo;s equipment portfolio by liaising regularly with the Service Department.
 </li>
 <li>
 Providing pre-sales technical support by undertaking site surveys, evaluating and suggesting the best solutions for the client&rsquo;s requirements.
 </li>
 <li>
 Preparing client quotations; negotiating tender and contract terms with clients.
 </li>
 <li>
 Negotiating and closing sales based on Prime Power&rsquo;s terms and conditions; follow up with clients on receivables.
 </li>
 <li>
 Arranging for on-time delivery of equipment at customer location the once order is received; coordinate with Operations Department and ensure that client PO is released.
 </li>
 <li>
 Liaising with technical team and other members of the sales team for any related matters.
 </li>
 <li>
 Regularly reporting the accurate status of all the projects to the reporting manager.
 </li>
 <li>
 Preparing weekly sales plans and approach to achieve short, medium and long term business plan
 </li>
 <li>
 Maintaining professional relationships with colleagues and clients through effective communication and fostering a healthy working environment.
 </li>
 <li>
 Administering client accounts and coordinating sales projects.
 </li>
 <li>
 Solving client problems; taking charge of and follow up on resolving quality related issues.
 </li>
 <li>
 Meeting regular sales targets; Analyzing costs and sales; Recording and maintaining client contact data.
 </li>
 <li>
 Liaising with technical team and other members of the sales team
 </li>
 <li>
 Communicating valuable information to other team members to ensure that the rental fleet utilization is profitable.
 </li>
 <li>
 Conducts regular progress discussions with the assigned Sales Administrator to maintain the proactive sales approach.
 </li>
 <li>
 Any other tasks, duties &amp; responsibilities that may be added from time to time as relevant to business requirements.
 
 
 </li>
 </ul>
 
 Skills
 
 
 
 Problem Solving, Product Knowledge, selling to Customer Needs, ERP Knowledge, Product Development, Presentation Skills, General techno-commercial skills, Verbal Communication, Innovation, Planning, Analyzing Skills, Organizing Skills.
 
 
 
 Desired Behaviors
 
 
 
 <ul>
 <li>
 Communication &ndash; Ability to communicate in a clear and unambiguous manner with customers, colleagues and all stakeholders.
 </li>
 <li>
 Result-oriented &ndash; a deep seated inner desire to compete against standards of excellence and achieve &ldquo;step changes&rdquo; in business results.
 </li>
 <li>
 Task-oriented &ndash; reliable, committed to completing tasks by the stipulated time.
 </li>
 <li>
 Resilience &ndash; persistent, positive and self-reliant.
 </li>
 <li>
 Accountability &ndash; drives outcomes by taking personal responsibility.
 </li>
 <li>
 Customer Focus &ndash; understands the importance of customer needs, whether internal or external, focuses on responding to them and develops relationships.
 </li>
 <li>
 Teamwork &ndash; able to build trust among the team members, build relationships supports in completing the tasks and ensure that support is forth coming from team members.
 </li>
 <li>
 Logical &amp; Solution oriented Mindset &ndash; Ability to think through various scenarios and suggest alternatives.
 </li>
 <li>
 Attitude for growth &ndash; Looking for continuous growth of the market share of PPME in the Oil &amp; Gas Industry.
 
 
 </li>
 </ul>
 
 Specialized Training/ Knowledge Required
 
 
 
 <ul>
 <li>
 Advanced sales trainings
 </li>
 <li>
 Specific knowledge and experience with clients in the Qatar Oil &amp; Gas Industry
 </li>
 <li>
 Knowledge in preparing technical Techno-commercial specifications that can be offered along with price once the enquiry is received from the customer.
 </li>
 <li>
 Up to date information on innovations within the industry
 
 
 </li>
 </ul>
 
 Language
 
 
 
 <ul>
 <li>
 Arabic (required)
 </li>
 <li>
 English (Preferred)
 
 
 </li>
 </ul>
 
 Qualifications
 
 
 
 <ul>
 <li>
 Bachelor&rsquo;s Degree in Business Administration or Mechanical Engineer.
 </li>
 <li>
 Qatar driving license is essential.
 
 
 </li>
 </ul>
 
 Experience
 
 
 
 Minimum 8-10 Years Sales experience in GCC Rental / Sales Market
 
 
 Apply Now
</div>

Squadra Real Estate

We are seeking a highly motivated, energetic, and outgoing Sales Manager to lead and grow our dynamic real estate team. The ideal candidate is sociable, draws energy from working with people, and thrives in a leadership role. This role is perfect for someone who is committed to excellence, puts clients first, and is passionate about coaching others to succeed.As the Sales Manager, you will oversee the buyer side of the business&mdash;hiring, training, consulting, and holding our agents accountable. You will serve as both a team leader and mentor, consistently demonstrating the knowledge, skills, habits, and values of a top-performing agent.Key Responsibilities:<ul><li>Lead, train, mentor, and hold the sales team accountable</li><li>Develop and implement strategic sales plans to hit team goals and revenue targets</li><li>Set and manage individual targets for agents</li><li>Work with team members to refine and use effective sales scripts</li><li>Monitor, analyze, and report on key sales metrics</li><li>Ensure the team has the tools, resources, and support they need to succeed</li><li>Plan and execute training programs for continued agent development</li><li>Promote a culture of high performance, positivity, and professional growth</li></ul>Qualifications:<ul><li>Experience in the UAE real estate industry is required</li><li>Proven track record in a sales manager or team leader role</li><li>Strong organizational, planning, and time-management skills</li><li>Familiarity with real estate portals such as Property Finder, Dubizzle , Bayut , etc.</li><li>Understanding of services provided by Dubai Land Department (DLD)</li><li>Strong leadership and communication abilities</li><li>Positive, optimistic, and team-oriented mindset</li></ul>Why Join Us?Opportunity to grow within a supportive, high-performing teamIf you're ready to lead a motivated sales team and make an impact in the real estate industry.Job Type: Full-timeExperience:Management: 2 years (Preferred)Language:<ul><li>Russian, English</li></ul>Ability to commute/relocate:<ul><li>Dubai: Reliably commute or planning to relocate before starting work (Preferred)</li></ul>License/Certification:<ul><li>License (Preferred)</li></ul>Job Type: Full-time

OxyPlus (Oman)

Job Title: Sales ManagerOverviewThe Sales Manager is responsible for leading, developing, and managing a team of sales representatives to achieve revenue targets and expand the customer base. This role bridges the gap between executive leadership and the sales floor, translating high-level business strategy into actionable sales plans. The ideal candidate is a data-driven leader who excels at coaching, forecasting, and fostering a high-performance culture.Key Responsibilities1. Team Leadership &amp; Development<ul><li>Recruit, hire, and onboard new sales representatives.</li><li>Conduct weekly one-on-one coaching sessions to improve individual performance and skill sets (e.g., negotiation, prospecting, closing).</li><li>Foster a competitive yet collaborative team culture that aligns with company values.</li><li>Manage performance, including implementing performance improvement plans (PIPs) and conducting annual reviews.</li></ul>2. Strategy &amp; Execution<ul><li>Develop and implement strategic sales plans to achieve organizational goals and quotas.</li><li>Analyze market trends, competitor activity, and customer needs to identify new opportunities.</li><li>Segment the territory or market to ensure optimal coverage and resource allocation.</li><li>Collaborate with Marketing to align lead generation efforts with sales goals.</li></ul>3. Sales Operations &amp; Forecasting<ul><li>Track and report on key performance indicators (KPIs) such as conversion rates, pipeline velocity, and quota attainment.</li><li>Maintain accurate sales forecasting to provide the executive team with visibility into future revenue.</li><li>Manage the Customer Relationship Management (CRM) system (e.g., Salesforce, HubSpot) to ensure data integrity and process adherence.</li></ul>4. Customer &amp; Stakeholder Management<ul><li>Escalate and assist with complex or high-value negotiations.</li><li>Partner with cross-functional teams (Marketing, Product, Customer Success) to ensure a seamless customer journey and provide feedback on product-market fit.</li></ul>Required QualificationsEducation &amp; Experience<ul><li>Bachelor&rsquo;s degree in Business Administration, Marketing, or related field (or equivalent work experience).</li><li>3&ndash;7 years of sales experience, with at least 1&ndash;3 years of experience managing a sales team.</li><li>Proven track record of consistently meeting or exceeding individual and team quotas.</li></ul>Hard Skills<ul><li>Proficiency in CRM software (Salesforce, HubSpot, Zoho, etc.).</li><li>Strong understanding of sales performance metrics (LTV, CAC, Churn, Quota Attainment).</li><li>Experience with sales enablement tools (LinkedIn Sales Navigator, ZoomInfo, Outreach).</li></ul>Soft Skills<ul><li>Coaching Mindset: A desire to develop others rather than just managing numbers.</li><li>Emotional Intelligence: Ability to motivate diverse personalities and navigate team conflicts.</li><li>Analytical Thinking: Comfort with using spreadsheets and dashboards to diagnose performance issues.</li><li>Resilience: Ability to maintain team morale during periods of high stress or market downturns.</li></ul>Job Types: Full-time, Part-timePay: RO11,200.000 - RO15,000.000 per yearExpected hours: 40 per weekWork Location: In person

Hire Fellows

<div>We are looking for a driven and results-oriented Sales Manager to lead and scale our client acquisition efforts at an advertising production company. This role is ideal for a commercially minded professional who thrives in a fast-paced, target-driven environment and has a strong track record in B2B sales. You will be responsible for managing a small sales team, developing strategic sales plans, and expanding our client base across the region.
Main Responsibilities<ul><li>
Lead and manage a team of 5-6 sales representatives, setting clear targets and ensuring consistent performance against monthly and annual revenue goals.</li><li>
Monitor individual and team performance, providing regular feedback, coaching, and performance evaluations to drive continuous improvement.</li><li>
Develop and execute comprehensive sales strategies and plans (monthly and yearly) aligned with business growth objectives.</li><li>
Identify and pursue new business opportunities, actively sourcing and acquiring new clients within the B2B space.</li><li>
Re-engage and reactivate dormant or inactive clients, strengthening long-term relationships and maximizing lifetime value.</li><li>
Build and maintain strong relationships with key clients, acting as a strategic partner to understand their advertising and media needs.</li><li>
Collaborate closely with internal teams (creative, production, and operations) to ensure the successful delivery of client campaigns.</li><li>
Track sales pipeline, forecasts, and performance metrics, providing regular reporting to senior management.</li><li>
Stay up to date with market trends, competitor activity, and industry developments to identify new growth opportunities.</li></ul> 
Requirements 
<ul><li>
Proven experience in B2B sales, preferably within advertising, media, or a related industry.</li><li>
Demonstrated leadership experience managing and motivating a sales team.</li><li>
Strong communication and interpersonal skills, with the ability to influence and build relationships at all levels.</li><li>
Highly target-driven with a track record of meeting or exceeding sales goals.</li><li>
Strategic thinker with the ability to create and execute effective sales plans.</li><li>
Fluency in both Arabic and English (spoken and written) is required.</li><li>
Based in Saudi Arabia.</li></ul></div>

Saudi Top Plastic Factory (STP)

<div>
 
 Company Description
 
 
 
 Saudi Top Plastic Factory (STP) specializes in producing high-quality recycled polymers, including PE, PP, PET, POM, PMMA, ABS, SAN, PA, EPDM, TPO, and EVA. It operates a state-of-the-art facility dedicated to manufacturing Polyethylene Wax (PE wax), the first of its kind in the region. As a branch of Saudi Top Trading Company, STP benefits from expertise in the trading of diverse polymers and chemicals. The company strives to deliver innovative and sustainable solutions in the plastics industry, aligning with global standards.
 
 
 
 Role Description
 
 
 
 This is an on-site, full-time role based in Riyadh, Saudi Arabia, for a Sales Manager at Saudi Top Plastic Factory (STP). The Sales Manager will be responsible for developing and implementing sales strategies to drive revenue growth, building and maintaining relationships with clients, and identifying new business opportunities within the polymers and chemicals sector. This role includes preparing and delivering presentations, negotiating deals, managing a sales team, and collaborating with other departments to meet organizational objectives. Additionally, the Sales Manager will monitor market trends and provide insights to adapt strategies, ensuring optimal client satisfaction and business success.
 
 
 
 Qualifications
 
 
 <ul>
 <li>
 Strong sales and negotiation skills with experience in business development and account management
 </li>
 <li>
 In-depth knowledge of the plastics or chemicals industry and understanding of market trends
 </li>
 <li>
 Proficiency in preparing and delivering professional presentations and sales reports
 </li>
 <li>
 Effective team leadership, management, and people skills to lead sales teams
 </li>
 <li>
 Strong communication, interpersonal, and customer relationship management skills
 </li>
 <li>
 Ability to analyze data, make data-driven decisions, and apply strategic thinking
 </li>
 <li>
 Proficiency in CRM software and basic computing skills
 </li>
 <li>
 Bachelor&rsquo;s degree in Business Administration, Marketing, or a related field
 </li>
 <li>
 Fluency in English; proficiency in Arabic is an advantage
 </li>
 <li>
 Previous experience in a similar
 </li>
 </ul>
</div>

Capital One

<div>Senior Manager, Data Scientist - Credit Review
Data is at the center of everything we do. As a startup, we disrupted the credit card industry by individually personalizing every credit card offer using statistical modeling and the relational database, cutting edge technology in 1988! Fast-forward a few years, and this little innovation and our passion for data has skyrocketed us to a Fortune 200 company and a leader in the world of data-driven decision-making.
As a Data Scientist at Capital One, you&rsquo;ll be part of a team that&rsquo;s leading the next wave of disruption at a whole new scale, using the latest in computing and machine learning technologies and operating across billions of customer records to unlock the big opportunities that help everyday people save money, time and agony in their financial lives.
Team Description
In Capital One&rsquo;s Credit Review Models, Data and Innovative solutions team, we defend the company against model failures and find new ways of making better decisions with models. We use our statistics, software engineering, and business expertise to drive the best outcomes in both Risk Management and the Enterprise. We understand that we can&rsquo;t prepare for tomorrow by focusing on today, so we invest in the future: investing in new skills, building better tools, and maintaining a network of trusted partners.
We partner with best-in-class data scientists, analysts, credit risk management experts, and engineers to innovate solutions that directly impact the company&rsquo;s bottom line in a meaningful way. We do it all in a collaborative environment that values individual insight, encourages each associate to take on new responsibilities, promotes continuous learning, and rewards innovation.
Role Description
In this role, you will:<ul><li>
Leverage a broad stack of technologies, such as, Python, Conda, AWS, H2O, Spark, and more, to reveal the insights hidden within huge volumes of numeric and textual data</li><li>
Build statistical and machine learning models to challenge the models in production</li><li>
Flex your interpersonal skills to translate the complexity of your work into tangible business goals</li><li>
Partner with a cross-functional team of data scientists, credit risk experts, and product managers to deliver a product customers love</li></ul>
The Ideal Candidate is:<ul><li>
A leader. You challenge conventional thinking and work with stakeholders to identify and improve the status quo. You&rsquo;re passionate about talent development for your own team and beyond.</li><li>
Technical. You&rsquo;re comfortable with open-source languages and are passionate about developing further. You have hands-on experience developing data science solutions using open-source tools and cloud computing platforms.</li><li>
Statistically-minded. You&rsquo;ve built models, validated them, and backtested them. You know how to interpret a confusion matrix or a ROC curve. You have experience with clustering, classification, sentiment analysis, time series, and deep learning.</li><li>
Innovative. You continually research and evaluate emerging technologies. You stay current on published state-of-the-art methods, technologies, and applications and seek out opportunities to apply them.</li><li>
Creative. You thrive on bringing definition to big, undefined problems. You love asking questions and pushing hard to find answers. You&rsquo;re not afraid to share a new idea.</li></ul>
Basic Qualifications:<ul><li>
Currently has, or is in the process of obtaining one of the following with an expectation that the required degree will be obtained on or before the scheduled start date:<ul><li>
A Bachelor's Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) plus 7 years of experience performing data analytics</li><li>
A Master's Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) or an MBA with a quantitative concentration plus 5 years of experience performing data analytics</li><li>
A PhD in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) plus 2 years of experience performing data analytics</li></ul></li><li>
At least 2 years of experience leveraging open source programming languages for large scale data analysis</li><li>
At least 2 years of experience working with machine learning</li><li>
At least 2 years of experience utilizing relational databases</li></ul>
Preferred Qualifications:<ul><li>
PhD in &ldquo;STEM&rdquo; field (Science, Technology, Engineering, or Mathematics) plus 4 years of experience in data analytics</li><li>
At least 1 year of experience working with AWS</li><li>
At least 5 years&rsquo; experience in Python, Scala, or R for large scale data analysis</li><li>
At least 5 years&rsquo; experience with machine learning</li></ul>
Capital One will consider sponsoring a new qualified applicant for employment authorization for this position.
The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.
Charlotte, NC: $209,000 - $238,500 for Sr Mgr, Data Science 

McLean, VA: $229,900 - $262,400 for Sr Mgr, Data Science 

Plano, TX: $209,000 - $238,500 for Sr Mgr, Data Science 

Richmond, VA: $209,000 - $238,500 for Sr Mgr, Data Science 

Riverwoods, IL: $209,000 - $238,500 for Sr Mgr, Data Science 
Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate&rsquo;s offer letter.
This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.
Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.
This role is expected to accept applications for a minimum of 5 business days.
No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City&rsquo;s Fair Chance Act; Philadelphia&rsquo;s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.
If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.
For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.com
Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.
Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).</div>

Senior Manager, Data Scientist - Credit Review

Search 10000+ Sales mgr jobs near you this April. New roles added regularly across leading industries. Apply today.

10000 sales mgr jobs Near Me

Sales Manager

Sales Manager

Sales Manager

Sales Manager

Sales Manager

Sales Manager

Senior Manager, Data Scientist - Credit Review