Northmark Engineering · Manufacturing
A precision components manufacturer asks for a working capital increase. The cash conversion cycle tells the real story.

Four composite cases. Four credit decisions. How a senior banker actually thinks about them — and how a candidate is supposed to walk through them in ninety seconds without losing the room.
VOLUME 1 — COMMERCIAL BANKING TRACK
CASE PACK · LIVE
PDF + EXCEL WORKBOOK · 42 PAGES · US$39
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ALSO IN THE VAULT The two banking toolkits are US$19 each on their own, or US$10 more together as part of The Vault, Complete.
See the bundle →A 42-page commercial banking case pack for candidates preparing for credit-track interviews. Four composite cases across manufacturing, logistics, NZ dairy, and Australian property development — each with the full diagnostic moves a senior banker would actually use, the worked credit view, the ninety-second verbal walkthrough, and the curveballs interviewers pivot to when they want to test you further.
Not interview "tips." Not generic credit theory. The specific order in which senior bankers ask questions when they read a file — and what separates a candidate who thinks like a banker from one who thinks like an analyst.
The reason to work these before the room, rather than after it: the first time you meet a file like Northmark should not be across a table from someone deciding whether to hire you. Candidates rarely lose credit interviews on technical knowledge. They lose them by answering in the wrong order — running to the ratio before establishing what the business does with cash — and by having no second sentence when the interviewer says "and if the covenant had held?"
Four cases is roughly an evening. The interview it is preparing you for is fifty minutes long and decides which decade of your career you spend where.
A precision components manufacturer asks for a working capital increase. The cash conversion cycle tells the real story.
A logistics firm with strong revenue growth but deteriorating operating cash flow. Where the earnings are real and where they are accounting.
A second-generation Waikato dairy operation at succession crossroads. Five variables; milk price is only one of them.
A Brisbane apartment development with 30% overseas pre-sale concentration and related-entity mezzanine. The structural questions that decide the facility.
Front matter: what interviewers are actually testing — the order of inquiry that separates banker thinking from analyst thinking.
Back matter: thirty-day prep plan; glossary of terms you will hear in the room; four interview formats with the right approach for each; sample mock interview script walked through Case 01.
Volume 2 is in development. Four further composite cases — Trade and export with FX exposure, Commercial property at refinance, Distressed restructure, Generational transition with sibling dispute. Volume 1 buyers will be offered Volume 2 at a returning-reader discount when it launches.
The author has spent sixteen years inside commercial banking across the Beijing and Auckland markets, including roles at Chinese state-owned banks and mainstream New Zealand commercial banks. Chartered Banker, Moody's-certified in credit analysis, MBA. Prior strategy consulting experience. Writes on commercial credit judgment and cross-border finance.
All borrowers, persons, and figures referenced in this product are composite and fictional. They reflect patterns observed across the author's commercial banking practice but do not represent any actual borrower, transaction, or institution. Material is provided for educational purposes only and does not constitute professional credit advice.
US$39 · 42-page PDF + Excel workbook
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Or claim it: 700 coupons — 50 for opening a desk, 25 for every issue you answer, and more for turning up week after week and finishing a season. Open a desk →