// CASE 01
Northmark Engineering · Manufacturing
A precision components manufacturer asks for a working capital increase. The cash conversion cycle tells the real story.
LIVE
Banking Interview Case Pack
VOLUME 1 — COMMERCIAL BANKING TRACK
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.
// WHAT THIS IS
A 41-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 FOUR CASES
// CASE 02
Meridian Logistics Group · 3PL · Quality of Earnings
A logistics firm with strong revenue growth but deteriorating operating cash flow. Where the earnings are real and where they are accounting.
// CASE 03
Kauri Dairy Holdings · NZ Dairy · Family Succession
A second-generation Waikato dairy operation at succession crossroads. Five variables; milk price is only one of them.
// CASE 04
Northbridge Apartments · AU Property Development
A Brisbane apartment development with 30% overseas pre-sale concentration and related-entity mezzanine. The structural questions that decide the facility.
// EACH CASE INCLUDES
- Setup — the borrower, the request, the relationship history
- Financials — the four to eight numbers that decide the case
- Discussion questions — open-ended, no single correct answer
- Worked solution — how a senior banker actually thinks it through
- Ninety-second verbal walkthrough — what you would say in the room
- Follow-up curveballs — three places interviewers pivot, with the responses that hold the room
// WHO THIS IS FOR
- Commercial banking interview candidates — MBA, finance graduate, lateral analyst, or career switcher preparing for credit-track interviews at commercial banks, business banks, or regional banks
- Early-career analysts in their first 6 to 12 months who want to develop banker's judgment before being thrown into live credit memos
- Anyone preparing for the moment when an interviewer puts a file in front of you and says "walk me through this"
// FRONT AND BACK MATTER
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.
// WHAT'S COMING IN VOLUME 2
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.
// FORMAT
- PDF (41 pages, US Letter format).
- Instant download via Gumroad.
- Updates to current volume included.
- Published by Highbank Press, an independent publishing imprint.
// THE AUTHOR
The author has spent fifteen 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.
// COMPOSITE DISCLAIMER
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.