Banking Toolkits

Industry-specific diagnostic tools. PDF + Excel.

Each Banking Toolkit applies the same diagnostic framework to a specific industry — the four concerns banks have, the three signals that move a facility up the queue, the eight numbers every credit committee reads, and the twelve questions a senior banker asks in the first sixty minutes.

A toolkit comes as an editorial PDF plus an Excel workbook with live diagnostics — pre-populated with a composite borrower so the workbook is alive when you open it. Designed for junior commercial bankers, banking analysts, and serious students of commercial credit.

// WHAT'S IN A TOOLKIT

// THE PDF

Two halves — the Reading Side and the Questioning Side

First half — Banker Checklist: the four concerns banks have about every borrower in the industry; the three signals that move a facility from acceptable to preferred; the eight numbers every credit committee reads; composite borrowers across the industry spectrum. Second half — The Questioning Side: the twelve questions a senior banker asks in the first sixty minutes, with what a strong borrower's answer sounds like and what weak answers reveal. Composite decline scenarios with the senior banker's read. The twelve-point read senior bankers run on every file.

// THE EXCEL

Linked sheets, live diagnostics

Business Health Dashboard. Industry-specific working capital cycle calculator (DSO, DIO, DPO, CCC). Customer concentration analysis. Thirteen-week cash flow forecast. Stress test scenarios. Banker Checklist auto-scorer. Pre-populated with a composite borrower. Replace the blue cells to practice the read on a different borrower's numbers — the workbook recalculates throughout.

// THE TOOLKIT FRAMEWORK

All Banking Toolkits share the same diagnostic skeleton — what varies between industries is the specific concerns, signals, metrics, and decline scenarios. The framework is consistent so a reader who has worked through one industry's toolkit can pick up another's and orient quickly.

// CURRENT INDUSTRIES

// MANUFACTURING · LIVE

Manufacturing Banking Toolkit

A senior banker's reading guide to manufacturing facility reviews. The four concerns banks have, the eight numbers that decide the facility, and the twelve questions senior bankers ask in the first sixty minutes, with what strong and weak answers reveal.

PDF + EXCEL · 20 PAGES · 9-SHEET WORKBOOK · US$19

Buy on Gumroad — US$19 View product page →