// START HEREFOUR DOORS · FOUR READING ORDERS
Start here
Everything on this site is free and none of it is a course: no modules, no completion percentage, nothing to enrol in. What a newcomer does need is an order. Below, for each of the four readers the site is written for, the pages a senior banker would hand you, in the sequence they would hand them, with one line on why. Skip what you already know.
// GETTING IN
You're preparing for a commercial banking interview, or moving into credit from somewhere else.
FROM UNIVERSITY
- 01Commercial vs Investment BankingBefore you prepare from the wrong genre: what a credit or relationship role actually tests.
- 02What a Commercial Banker DoesThe job in a week, not the job description.
- 03How Banks WorkThe machine the job sits inside, in three words.
- 04Credit Analysis for BeginnersThe first read of a file, in the order a desk does it.
- 05Commercial Banking Interview QuestionsEvery question by the signal the panel is listening for.
- 06The Interview QuizRehearse it. The quiz scores the temperament, not the trivia.
- 07Issue 04 · Highview IndustriesA file that gets a yes, and why.
- 08Issue 01 · Pacific Premium FoodsThe same request, declined. Read the two side by side.
- 09The Free Sample CaseOne fully worked case, free, with the interviewer's angle on it.
- 10Career PathWhere the first seat leads.
FROM ACCOUNTING OR AUDIT
- 01How Banks WorkYou know the numbers. This is the machine that lends against them.
- 02How Banks Approve Business LoansThe change of mind this move needs: from whether the numbers are right to what they mean for a decision.
- 03GlossaryThe desk's words for things you already know by other names.
- 04Issue 04 · Highview IndustriesYour first file. A yes, with the working shown.
- 05Issue 01 · Pacific Premium FoodsThe mirror file: same ask, opposite answer.
- 06Cash Conversion CycleThe arithmetic you can already do, pointed at a lending decision.
- 07The Revolving Credit FacilityThe product most working-capital files are about.
- 08The Interview QuizWhere a panel will probe an accountant: judgment, not reconciliation.
- 09Credit Analyst InterviewThe questions for the seat you are aiming at.
- 10The Free Sample CaseA whole worked case, free, in the format the paid pack uses.
FROM A BRANCH
- 01How Banks LendYou know the bank. These are the business facilities, one file at a time.
- 02The OverdraftStart with the product you have already sold, read from the credit side.
- 03Credit Analysis for BeginnersThe first read of a set of accounts, in order.
- 04Issue 06 · Kowhai Retail GroupA retailer and a seasonal facility: a file you will recognise.
- 05Relationship Manager InterviewThe seat most branch bankers move into, and what its panel asks.
- 06The RM ScorecardWhat the job is measured on once you are in it.
- 07The Interview QuizRehearse the temperament the panel is scoring.
- 08The Free Sample CaseOne whole case with the senior banker's read, free.
// ON THE DESK
You're on a lending desk, first book or fifteenth year, and want your read against a senior's.
- 01Issue 07 · Coastline Retail GroupThe current file. Call it before you read the senior's read.
- 02All case drillsThen the shelf, newest first. Every file asks for your call first.
- 03The Three DiagnosticsRun a real request through the calculator and read the written diagnosis.
- 04Cash Flow AnalysisThe statement a desk reads first, and why.
- 05Working Capital Case StudyTwo files, opposite answers, and the order to read a file in.
- 06Temporary or Permanent Working CapitalThe question under most facility increases.
- 07Testing Borrower ForecastsWhat to do with the numbers the borrower wrote.
- 08Management QualityThe part of the file that is not in the file.
- 09The Eight FrameworksThe names for what you have been doing, one per chapter of the book.
- 10The DeskYour judgment record, issue by issue, against the senior's.
- 11Banking ToolkitsWhen a sector file lands: the desk reference for it.
// FOR BORROWERS
You're the founder, owner or CFO whose facility is up for review.
- 01How Banks Read YouThe order a bank reads your business in, and four files read from your side.
- 02The Five-Step ReadRun your own numbers the way the bank will, before it does.
- 03The Annual ReviewThe meeting that decides most facilities, and what to bring.
- 04Loan CovenantsWhat you signed, what it measures, what happens at the line.
- 05Issue 07 from the CFO's chairA whole file, with the bank's letter on your desk and Monday's meeting to prepare for.
- 06Manufacturing, Read by a BankIf this is your sector, the four questions the bank will ask first.
- 07Exporters, Read by a BankIf you sell abroad: the currency question before the credit question.
- 08Personal GuaranteesWhat the guarantee actually does, and the one thing to do before signing.
- 09When the Bank Says NoWhat a no means, and what it usually needs to become a yes.
- 10Every issue has a chair for youEach file on the shelf is also read from the borrower's side.
// HOW A BANK WORKS
You hold the shares, read the results, or just want to know what a bank actually does with your money.
- 01How Banks WorkThe three-word bank: deposits, loans, payments.
- 02How Banks Approve Business LoansOne loan, followed through the machine.
- 03How Banks Manage Credit RiskWhere the losses are meant to stop, and who watches.
- 04How Banks LendThe products, one file each, in plain words.
- 05GlossaryThe words, defined once, by someone who used them for sixteen years.
- 06Issue 07 from a shareholder's chairA results announcement, read the way the bank read it.
- 07Issue 07 · Coastline Retail GroupThen the same file from the bank's chair.
- 08The Eight FrameworksHow bankers think, named, one per chapter.
- 09How Bankers ThinkThe whole of it, in a book.