SENIOR BANKER'S READING GUIDE · MANUFACTURING FACILITY REVIEWS
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.
The Manufacturing Banking Toolkit is reference material for junior commercial bankers, banking analysts, and serious students of commercial credit. A 20-page editorial PDF walks through how a senior banker reads a manufacturer before credit committee: cash conversion stability, OCF/EBITDA conversion, customer concentration, facility utilisation, and the twelve questions asked in the first hour — with the signals that move a file from acceptable to preferred.
The accompanying nine-sheet Excel workbook supports the read. Pre-populated with composite test data so the workbook is alive when you open it. Replace the blue cells with three years of numbers from a case or your own practice file; verdicts update live. Use it alongside the PDF when you are learning how a manufacturing working-capital request is actually sized.
Four concerns banks have about every manufacturer (cash conversion stability, OCF/EBITDA conversion, customer concentration, facility utilisation). Three signals that move you from acceptable to preferred. Eight numbers every manufacturing credit committee reads - with thresholds and worked illustration.
Twelve questions a senior commercial banker will ask in the first sixty minutes of a facility review. Each comes with what a strong answer looks like, what a weak answer reveals, and the trap to avoid. Three composite decline scenarios show exactly why facilities get declined — and how to read a file before it reaches committee.
Business Health Dashboard. Working Capital Cycle calculator (DSO, DIO, DPO, CCC). Customer Concentration analysis with the bank's discount logic. 13-Week Cash Flow Forecast structured the way bankers read it. Banker Checklist with live verdicts. README. Pre-populated with composite test data.
A 12-point self-diagnostic at the end of the PDF. Answer yes/no to each - the toolkit will tell you whether a manufacturing file is ready for credit committee as drafted, or needs restructuring first. An early decline is harder to come back from than a delayed conversation.
Michael Shang has spent fifteen years inside commercial banking across the Beijing and Auckland markets, including roles at Chinese state-owned banks and mainstream New Zealand banks. He is a Chartered Banker, Moody's-certified in credit analysis, and holds an MBA. He 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.