Travel agent jobs in United Kingdom

Job Description: Job Title: Credit Risk Officer Corporate Title: Vice President Location: London Company Overview At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We're devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being. Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization. Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us! London Location Overview Our London office is based just a stone's throw from the magnificent St. Paul's Cathedral on bustling King Edward Street. Here you'll find modern workspaces and a state-of-the-art auditorium space. In addition, we're proud to host an onsite restaurant that shares our commitment to sustainability by providing delicious seasonal menus which have been created with the planet in mind. Make sure to take time for yourself and head up to our rooftop terrace and take in the spectacular views across London. Finally, your physical wellness is well-catered for with our onsite gym facilities and medical centre. Job Description An exciting opportunity for a Vice President to join our Corporates Credit team a part of Global Corporate and Investment Banking (GCIB) Credit managing and delivering credit relationships for corporate clients in accordance with the company's growth strategy, risk appetite and underwriting standards. We are an independent function that works closely with various lines of business, relationship managers, product specialists and Risk. GCIB Credit is responsible for analysing and delivering credit underwriting debt financing solutions and derivative strategies for medium and large corporate clients of GCIB & Global Markets (GM). GCIB includes corporate banking and investment banking and GM includes sales & trading. The group provides services to middle-market and large corporations, government entities and institutional investors. Services including mergers and acquisition advice, equity and debt capital raising, corporate lending, sales and trading in fixed income, commodities, currency and equities, risk management, research, and liquidity and payments management. GCIB Credit partners with teams across GCIB & GM including Trade Service Partners and Global Treasury Management to drive business growth and results while maintaining appropriate risk discipline specific to the corporate credit portfolio. Integral to GCIB Credit's mission is its partnership with other branches of GCIB, GM and Risk Management organisation in order to effectively manage and monitor the credit risks related to the corporate portfolio. Responsibilities • Perform financial and credit analysis, risk rating analysis ensuring adherence to prevailing credit policy and procedures for an assigned portfolio., • Independently assess credit worthiness, perform intensive qualitative and quantitative due diligence of prospective borrowers and/or trading counterparties and establish appropriate terms and conditions to mitigate risk, • Structuring transactions, underwriting and negotiating credit documentation designed to meet both client and investor needs including credit agreements, amendments, derivative documentation., • Ensuring granularity of the portfolio with specific reference to targets for net country/credit capital, legally binding commitments, total exposure and asset quality., • Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the client's credit life cycle., • Ensuring that the portfolio and credit management process are at all times rated "satisfactory" by internal auditors, the Credit Review group and external Regulators., • Develop and maintain a deep understanding of the product spectrum and portfolio at the client, industry, and macro level to assess risk and craft value added solutions balancing risk., • Develop, maintain, and manage internal relationships with business partners including Corporate and Investment Bankers, Sales & Trading, Risk Management, Syndications, and Legal., • Participate in strategic projects to support business goals., • Credit risk experience at a major international financial institution, analysing, assessing companies and knowledge of EMEA and specific industry sectors, structuring transactions and documentation., • Knowledge of analysing and assessing mid-market corporates, including understanding market practices on structuring and documentation for such mid-market corporates, across different industry sectors, • Effective credit skills, risk judgment and broader risk awareness and understanding of the wider business, market and regulatory environment in which the bank operates, and how that impacts client and portfolio's credit profile and ability to defend rigorously a fact-based point of view., • BA/BSc degree (or equivalent); Finance, Accounting or Economics would be beneficial., • Sound product/technical, documentation and process knowledge across lending, trade finance and derivative (FX, rates, commodities and equities) products., • Acting as an agent of change/improvement, influencing corporate policy/procedure and projecting a positive strategic vision., • Commercial mindset to support value added discussions with effective interpersonal and written and verbal communication skills, and attention to detail and accuracy., • Fluency with use of Microsoft Office applications, particularly Excel; including ability to prepare and/or review company specific financial models in Excel., • Strong organisational skills with ability to prioritise and work under pressure, drive deal selection, negotiate solutions, strong transaction management process, and proactively manage credit risks. UK • Private healthcare for you and your family plus an annual health screen to help you manage your physical wellness with the option to purchase a screen for your partner, • Competitive pension plan, life assurance and group income protection cover if you become unable to work as a result of a disability or health reasons, • 20 days of back-up childcare including access to school holiday clubs and 20 days of back-up adult care per annum, • The ability to change your core benefits as well as the option of selecting a variety of flexible benefits to suit your personal circumstances including access to a wellbeing account, travel insurance, critical illness etc., • Access to an emotional wellbeing helpline, mental health first aiders and virtual GP services., • Access to an Employee Assistance Program for confidential support and help for everyday matters, • Ability to donate to charities of your choice directly through payroll and the bank will match your contribution, • Opportunity to access our Arts & Culture corporate membership program and receive discounted entry to some of the UK's most iconic cultural institutions and exhibitions. Good conduct and sound judgment is crucial to our long term success. It's important that all employees in the organisation understand the expected standards of conduct and how we manage conduct risk. Individual accountability and an ownership mind-set are the cornerstones of our Code of Conduct and are at the heart of managing risk well. We are an equal opportunities employer and ensure that no applicant is subject to less favourable treatment on the grounds of gender, gender identity or gender reassignment, marital or civil partner status, race, religion or belief, colour, nationality, ethnic or national origins, membership of the Traveller community, age, sexual orientation, pregnancy or maternity, civil status, socio-economic background, family status or physical or mental disability. The Bank selects candidates for interview based on their skills, qualifications and experience. We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements. Learn more about this role

Job Description: Job Title : Agency Management - Team Lead Corporate Title: VP Location: Bromley Company Overview: At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities, and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We're devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being. Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization. Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us! Location: Join our bustling Bromley office, situated in one of London's greenest boroughs. Here you will find plentiful and easy commuting routes, with central London just 15 minutes away by train. Job Description: Primary contact/coordinator for internal and external business partner and issuer requests and inquiries related to moderately complex syndicated or club credit facilities for which Bank of America acts as Administrative Agent. Has solid knowledge and understanding of credit products and syndication process and governing documents including complex agreements and ancillary documents related to moderately complex unsecured/secured credits and troubled deals. With minimum supervision, reviews and comments on loan agreement drafts for clarity, agency issues, and operational feasibility to ensure that final documents are workable for all parties; closes new deals, amendments, waivers, and consents. Proactively identifies and resolves complex issues related to portfolio; highly complex situations may require assistance of experienced Agency Management Officer or Team Leader. Demonstrates good judgment and seeks advice appropriately. Maintains database of deal-specific contacts; disseminates financial/compliance information; impartially communicates with investors; works with counsel (in-house and outside); arranges meetings for issuer/investors. Has mastered the Agency Management Officer (AMO) role and is client focused and respected by associates. Demonstrates potential to grow into more senior leadership role. Adept at prioritizing workload. Responsibilities: • Ability to play team "quarterback" leadership role in deal/amendment closing process, • Excellent communication skills; able to target messaging to different audiences, • Ability to navigate the enterprise, research and resource information across the bank, • Highly organized, proactive, and able to plan, prioritize and manage deliverables, • Ability to influence, negotiate and lead diverse groups to achieve desired results, • Applies critical thinking to analyze, identify and deal with legal, business, reputation, and operational risk, • Commercial credit lending and portfolio management experience, • Experience with the Syndicated Loan environment and process, • Knowledge of GCB/GIB environment, organizational alignment, strategic priorities UK • Private healthcare for you and your family plus an annual health screen to help you manage your physical wellness with the option to purchase a screen for your partner, • Competitive pension plan, life assurance and group income protection cover if you become unable to work as a result of a disability or health reasons, • 20 days of back-up childcare including virtual tutoring and 20 days of back-up adult care per annum, • The ability to change your core benefits as well as the option of selecting a variety of flexible benefits to suit your personal circumstances including access to a wellbeing account, travel insurance, critical illness etc, • Use of a flex fund to use towards benefits, • Access to an emotional wellbeing helpline, mental health first aiders and virtual GP services, • Ability to donate to charities of your choice directly through payroll and the bank will match your contribution, • Opportunity to access our Arts & Culture corporate membership programme and receive discounted entry to some of the UK and Ireland's most iconic cultural institutions Good conduct and sound judgment are crucial to our long-term success. It's important that all employees in the organisation understand the expected standards of conduct and how we manage conduct risk. Individual accountability and an ownership mind-set are the cornerstones of our Code of Conduct and are at the heart of managing risk well. We are an equal opportunity employer and ensure that no applicant is subject to less favourable treatment on the grounds of gender, gender identity, marital status, race, colour, nationality, ethnic or national origins, age, sexual orientation, socio-economic background, responsibilities for dependents, physical or mental disability. The Bank selects candidates for interview based on their skills, qualifications, and experience. We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements. Learn more about this role

Job Description: Job Title: Loans/Agency Administration - Credit Services Representative Corporate Title: Up to AVP Location: Bromley Company Overview: At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities, and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We're devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being. Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization. Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us! Location Overview: Join our bustling Bromley office, situated in one of London's greenest boroughs. Here you'll find plentiful and easy commuting routes, with central London just 15 minutes away by train. Role Description: An opportunity has arisen to join the Loans Agency & Bi-lateral Servicing & Operations Team. The successful candidate will work in a dedicated Servicing team of 12 reporting to the section manager. The Loans Agency & Bi-lateral Team is responsible for performing both the Facility Agent role on Syndicated Credit Agreements where a Bank of America entity is either the main Facility Agent or a Sub Agent, along with direct lending to Clients. The team acts as the front end for the bank for all clients and lenders related queries. Responsibilities: • You will be responsible for your own portfolio of agented and directs deals, • You will be the first point of contact for clients, • You will be responsible for processing of Drawdowns, Rollovers, Rate Fixings, Assignments, Revaluations, fee calculations and Reconciliation, • You will be responsible for the booking and maintenance of the Loan portfolio in LoanIQ, • You will be responsible for supporting our Front Office business partners Agency Management, Fulfilment; Leveraged Finance; Portfolio Managers, Asset Based Lending and SAG., • You will have performed a similar role previously and have a deep understanding of maintaining a loan portfolio., • You will be able to act independently and apply a risk-based approach, • LoanIQ Experience prefarable, • You will have excellent knowledge of lending, servicing, and loans, • You will have excellent organisational and prioritisation skills, • Previous documentation experience would be a keen advantage, • Microsoft Excel experience will be an advantage UK • Private healthcare for you and your family plus an annual health screen to help you manage your physical wellness with the option to purchase a screen for your partner, • Competitive pension plan, life assurance and group income protection cover if you become unable to work as a result of a disability or health reasons, • 20 days of back-up childcare including virtual tutoring and 20 days of back-up adult care per annum, • The ability to change your core benefits as well as the option of selecting a variety of flexible benefits to suit your personal circumstances including access to a wellbeing account, travel insurance, critical illness etc, • Use of a flex fund to use towards benefits, • Access to an emotional wellbeing helpline, mental health first aiders and virtual GP services, • Ability to donate to charities of your choice directly through payroll and the bank will match your contribution, • Opportunity to access our Arts & Culture corporate membership programme and receive discounted entry to some of the UK and Ireland's most iconic cultural institutions Good conduct and sound judgment is crucial to our long term success. It's important that all employees in the organisation understand the expected standards of conduct and how we manage conduct risk. Individual accountability and an ownership mind-set are the cornerstones of our Code of Conduct and are at the heart of managing risk well. We are an equal opportunity employer and ensure that no applicant is subject to less favourable treatment on the grounds of gender, gender identity, marital status, race, colour, nationality, ethnic or national origins, age, sexual orientation, socio-economic background, responsibilities for dependants, physical or mental disability. The Bank selects candidates for interview based on their skills, qualifications, and experience. We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements. Learn more about this role

Taking enquires over the phone and email for worldwide cruise holidays Offer expertise, advice and knowledge to Travel Agent partners and customers about destinations, cruises, airlines and ground arrangements.

At Millstream, we are looking for a Service Delivery Executive to support the Head of Service Delivery with all aspects of technical and administrative duties to help ensure that the services provided by all of Millstream’s TPAs meet the required levels, are proactively developed to enhance the customer experience and relevant processes protect the underwriting performance of Millstream schemes. Assist with building the most effective relationships at all levels with customers and suppliers. Responsibilities: • Respond to agent and client enquiries via telephone and in writing to agreed service standards., • Handle queries from sales support, claims handlers, medical screeners and emergency assistance providers., • Liaise with the Underwriters to ensure that non-standard and complex queries are managed and resolved to the satisfaction of our customers., • Work with the guidance of the Underwriters and Head of Service Delivery to perform analysis on MI reports to ensure they accurately reflect the current position., • Demonstrate in-depth knowledge of policy cover, recoveries, and subrogation processes, and provide guidance to internal and external stakeholders., • Maximise subrogation and cost containment wherever possible, • Assist in resolving customer disputes, preparing papers and liaising with relevant parties including the Financial Ombudsman Service., • Prepare and interpret performance analysis reports., • Conduct audits of Third-Party Administrators (TPAs)., • Support the delivery and analysis of customer satisfaction surveys., • Support the implementation and monitoring of Consumer Duty outcomes, ensuring fair value and good customer outcomes across all products and services., • Provide specialist support for funeral-related insurance products, ensuring sensitivity, compliance, and customer care are prioritised. Knowledge and Experience: • Strong working knowledge of travel, personal accident, loss of licence and funeral insurance products., • Experience working within a regulated environment, with a clear understanding of first line compliance responsibilities., • Familiarity with FCA Consumer Duty principles and their practical application in service delivery., • Highly articulate and confident when dealing with people at all levels – clients, brokers, customers, and regulators., • Empathetic, flexible, and assertive customer management skills, especially in sensitive areas such as funeral services., • Strong organisational skills with the ability to prioritise workload to tight deadlines while maintaining attention to detail., • Strong numeric, IT, and analytical skills., • Self-motivated and able to work effectively both independently and as part of a team., • Proficient in Microsoft Office applications and comfortable with web-based technologies. By submitting your CV you confirm that you are agreeing to the ___ of Nexus Underwriting and consenting to Nexus Underwriting processing and holding your personal details.

Station Agent Are you ready to embark on a rewarding career as a Station Agent? At Turkish Airlines, known for its exceptional hospitality, we are seeking bright and enthusiastic individuals to join our welcoming team. As a Station Agent, you will play a crucial role in providing outstanding passenger services, creating memorable experiences, and ensuring seamless operations at our Airport Office. If you thrive in a fast-paced environment, enjoy interacting with passengers, and are known for your go-getter attitude, this is the perfect opportunity for you. Join us and become a valued member of our team as we strive to deliver exceptional service and elevate the travel experience for our passengers! Job Description: • As the aircraft arrives, you'll warmly welcome passengers and facilitate smooth coordination and communication between the crew, handling agent, catering, cleaning, air traffic, customs, and immigration. You'll ensure that all necessary flight documents are prepared accurately and completely, place orders for daily catering services, and maintain comprehensive flight records. Post-flight, you'll handle the accurate filing of documents and perform statistical analysis of flight coupons., • In cases of lost baggage, you'll diligently coordinate with the handling agent to locate and deliver lost items to their owners. If necessary, you'll follow the compensation process accordingly. Desired Skills & Experience: • Bachelor's degree or at least high school graduation., • Permanent residence permit in the respective country (the company does not provide or assist with work permits)., • Minimum of 1 year experience in civil aviation or tourism., • The ability to thrive in high-pressure situations., • Excellent command of English and proficiency in local language(s)., • Availability to work in shifts, including overnight shifts., • A team player who can also work independently when needed., • Ability to multitask effectively and handle multiple tasks simultaneously., • Strong oral and written communication skills., • Demonstrated a sense of responsibility and the ability to make accurate and effective decisions. Benefits: • Transport Allowance, • Meal Allowance, • Social Rights (Birth /Death Allowance), • Private Health Insurance We strive to bring the far close by making the world move through our wings. We are working with all our strength to offer our guests a unique experience while connecting 349 destinations around the world. We would like to see you among us in our success story to which each member of our family contributes. Now it is time to grow our family with you to achieve greater goals.

This isn’t a job, it’s an opportunity. Just to clarify, this isn’t a job in the traditional sense. It’s actually an opportunity to run your own travel business. You’d be working independently, earning commission on the trips you book. It gives you the flexibility to build your own brand, set your own hours, and grow at your own pace. As an Independent Travel Advisor, you’ll have the freedom to work from anywhere, set your own hours, and build something that’s truly yours, all while earning commission on the holidays you help create. You’ll be in business for yourself, but never by yourself , with full support, training, and access to top travel suppliers through a trusted host agency. If you love travel, want more flexibility, and are ready to turn your passion into income… this could be your next adventure Independent Travel Advisor Helping others explore the world while building a business on your own terms. As an Independent Travel Advisor, you’ll work remotely to design and book personalized travel experiences for clients, from weekend getaways to dream holidays. You’ll have the flexibility to set your own hours, grow your own client base, and earn commission on every booking you makeTips: Provide a summary of the role, what success in the position looks like, and how this role fits into the organization overall. Key Responsibilities: • Research, plan, and book domestic and international travel (flights, hotels, cruises, tours, etc.), • Build lasting relationships with clients and understand their travel preferences, • Stay updated on travel trends, deals, and destination knowledge, • Manage bookings, provide post-booking support, and handle any travel changes or issues, • Promote your services via social media, networking, or referrals Ideal For: • Self-starters with a passion for travel, • Parents, career changers, seeking a second income or anyone craving more freedom

The Product Team creates high-quality end-to-end experiences for travelers, partners, and Expedia Group. Our customer-first mindset focuses on developing products that encourage loyalty and repeat business from our travelers and partners. We partner closely with teams across Expedia Group to achieve growth and results for our customers and company. Introduction to team: As a Senior UX Designer at Hotels.com, you’ll play a pivotal role in shaping world-class user experiences for one of our flagship brands. Working as an integral part of our product and technology organization, you’ll collaborate closely with cross-functional teams including brand, marketing, and design systems to evolve and elevate the Hotels.com product experience. Your focus will be on crafting high-quality, visually engaging experiences that connect with both business and leisure travelers. With a strong emphasis on design craft and a sharp eye for visual detail, you’ll help elevate the brand across the entire user journey. By championing simplicity, innovation, and consistency, you’ll shape how the brand comes to life across digital touchpoints—making it easier, more intuitive, and more enjoyable for users to book their next trip. Senior UX Designer – Hotels.com (Visual Design & Brand Systems) In this role, you will: Problem Definition and Product Strategy: • Expert in a range of methods for facilitating the gathering and synthesizing of diverse insights in complex, ambiguous problem spaces., • Expertly facilitate idea generation and evaluation with stakeholders, and mentor others in doing the same., • Role model and mentor for exemplary visual and interaction design practice., • Facilitate collaboration with different stakeholders with varied perspectives and strive for optimum organizational efficiency by aligning goals across boundaries and making recommendations about changes/approaches., • Take a whole systems approach to analyze customer problems and implement holistic solutions by ensuring that linkages between customer touchpoints, structure, process, and technology are made., • Define foundational layers of the design system., • Guide the design of components, patterns, and drive optimizations for flexibility, re-use, usability, performance, brand distinction, and visual appeal., • Develop persuasive communication materials and storytelling techniques that build trust with partners and establish long-term relationships., • Model effective use of design feedback., • Apply and adapt design and research processes to manage large/complex problem areas., • Use both qualitative and quantitative insights of customer research and data and business analytics to drive design solutions., • Consistently create solutions that match customer needs and problems. Minimum experience and qualifications: • Bachelor's degree in UX Design, Graphic Design, or a related field; or equivalent related professional experience, • 8+ years of experience in UX design, preferably in a product-driven environment, • Proficient in design tools such as Figma, Sketch, or Adobe Creative Suite, • Strong portfolio demonstrating exceptional visual design skills and systematic thinking, • Strong experience working with and contributing to design systems, • Familiarity with user research methodologies and usability testing, • Excellent communication and collaboration skills, • Ability to work effectively in a dynamic and collaborative, agile environment, • Experience in the travel or e-commerce industry is a plus, • Experience with responsive web design and mobile app design Preferred Qualifications: • Demonstrated understanding of accessibility standards and inclusive design practices, • Experience leveraging AI tools for concept generation and prototyping, • Familiarity with front-end development technologies (HTML, CSS, JavaScript), • Experience with data-driven design and A/B testing Expedia Group is proud to offer a wide range of benefits to support employees and their families, including medical/dental/vision, paid time off, and an Employee Assistance Program. To fuel each employee’s passion for travel, we offer a wellness & travel reimbursement, travel discounts, and an International Airlines Travel Agent (IATAN) membership. ___.

Are you a dynamic, target-driven sales professional with a love for travel?. Award-winning training to fast-track your sales success. Use consultative sales techniques to close luxury travel deals.

Twice winner of the Queens Award for Enterprise, we specialise in creating unforgettable travel experiences across the UK and Ireland for international group travellers. Our dynamic, family-oriented team thrives on creativity, precision, and a shared passion for travel. This is a hands-on role, mana

What's in it for you? £30K guaranteed base + uncapped commission Luxury trips - sell five-star, experience five-star Access to the O2 Arena suite + unbeatable travel perks Award-winning training to fast-track your sales success Free parking + travel discounts + a collaborative, high-energ

Facilities Co-coordinator Bromley £13. Timesheets (if applicable), overtime and expenses processing and checking where appropriate COINS plant booking Production of statutory testing reports Liaising and negotiating with specified Travel Agent to book hotel and travel arrangements in advance

Experience in an Assistant Agent position. Liaising with Agent, Client Accounts team and production companies for information required for Clients’ travel visas if needed. Twitter, Facebook and other emerging technologies in close consultation with Agents.

Travel Sales Agent to join our vibrant call. Mastery of sales technics and negotiation skills. This role combines sales prowess with high-level customer service, requiring an in-depth understanding of our customers' needs and preferences.

You may have experience of one or more of the following roles: Travel Advisor, Travel Agent, Travel Consultant, Travel Sales Consultant, Ticketing Agent, Travel Counsellor. We’re on a mission to unravel travel — simplifying systems and building the tools that will make the future of travel effor

An opportunity has arisen for a Reservation Agent to join us at Jumeirah Carlton Tower. Deal with travel agent bookings, vouchers and credit requests, ensuring that the hotel’s policy is adhered to at all times. At least 2 years’ experience as a reservation agent role in a 5 Star Front Office or

We are currently looking for an.Creating city ledger invoices and sending them to clients.Assisting with credit card reconciliations.Sending copies of invoices to guests and retrieving backup information.Following up on outstanding payments.Assisting with the analysis and calculation of travel agent