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- 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.
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