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.
- From
- Banking Judgment Lab
- Subject
- Issue 10: You have the floor for ninety seconds. What do you do?
ISSUE 10 · 2026-10-06 · 6 MIN READ
“The chair called it straightforward.”
The Dissent
Credit committee · Dissent · Difficulty 3/5
On your desk
- The paper
- US$3.5m · recommends approve
- You
- Third vote of five · most junior
- Time
- Ninety seconds, if you want it
- The tell
- CUSTOMER ADVANCES US$1.8m · netted · appendix 4
Your judgment
You have the floor for ninety seconds. What do you do?
Read the file and make your callNEXT LETTER · ISSUE 11 · THE TERM SHEET WAR
A nine-year client brings a competitor's term sheet: 40 basis points inside your pricing, covenant-lite, and a Friday deadline.
Tuesday 13 October, New Zealand time — and the letter is how you'll know.
01
One letter per drill — the file and its question. The senior banker's read opens on the site, once you have answered.
02
No daily sends. Besides the letter: two short notes on the book in your first two weeks, and a line about it once a month. Your address is never shared.
03
Unsubscribe from any email in one click. The back catalogue stays free either way.