Diagnostics.
Three interactive tools. Free. No signup.
THREE DIAGNOSTICS · INTERVIEW QUIZ · FIVE-STEP READ
Three Diagnostics
A working capital request is a claim about the future. The Three Diagnostics test the claim against the past — by looking at the three places where the truth tends to live.
Interview Quiz
Four rounds of five questions, one for each block of the bank that hires: credit and lending; the front line; risk, compliance and audit; and finance, technology and operations. Pick the answer closest to yours, then see what the senior interviewer on the other side of the table actually hears.
Five-Step Read
The other two tools face the banker's chair. This one faces yours: six numbers from your own business, walked through the order a credit reader actually goes in — and where your file snags first.
// WHAT THE CALCULATOR SAYS
A worked reading, run on the numbers from 01 — Pacific Premium Foods. Revenue grew fifty per cent in two years and the facility request looked routine. Here is what the first two diagnostics found underneath it.
Pacific Premium pattern · mature crisis (D2 EXTREME)
Fifty per cent revenue growth, and receivables ran twenty-one points ahead of it while earnings stopped converting to cash altogether. That is the shape the tool is built to surface — run it on a borrower of your own, or read how the senior banker called this one.
THE IN-TRAY
Forty-eight one-minute files, six from each chapter of How Bankers Think. Make a call and every option opens with how far it sits from the senior banker’s read. The placement draws three from each chapter and ends in a card of where you read from.
OPEN THE IN-TRAY →BEFORE THE QUIZ
If the interview is the reason you are here, commercial banking interview questions sets out what a panel is testing with each question — and why preparing from investment banking technicals is the common mistake for credit and relationship roles. The reading order it describes for “walk me through this borrower” is worked at length in the working capital case study.
FROM THE BOOK
How Bankers Think is the curriculum behind the Lab — the frameworks senior bankers use when reading a borrower, a financial statement, or a facility request. The Three Diagnostics calculator and Interview Quiz draw directly from chapters in the book. About the book →
// SUBSCRIBE
The Lab.
One case file and one question, in your inbox every Tuesday morning, New Zealand time. The senior banker's read opens only after you answer.
FREE WITH IT · THREE PDFS
An interview case, an annotated credit paper, and a one-page loan application sheet.
No spam. Unsubscribe anytime. Educational content only.