Free learning pathL0–L4

Commercial banking and credit

Build the foundations, methods and work samples used in commercial banking and credit roles.

An entry-level learning direction with educational tasks; check target-role requirements.

Practice setWork-sample templateJobs, resources and experiences

Your learning checklist

Required items: 0 / 10 completed or already known

Device storage

Next: Read a role through its responsibilities

Checklist statuses are self-reported; exercise scores are recorded separately. You can reset any item.

L0

Know the role

  1. Read a role through its responsibilitiesRequired

    Translate a role description into three observable learning goals.

L1

Build foundations

  1. Spreadsheet formulas and reconciliationRequired

    Build a sourced calculation table with an independent check.

  2. Statistics, samples and uncertaintyOptional

    Describe a distribution and its limits of inference.

  3. Bank business and client needsRequired

    Independently: Distinguish deposits, lending, payments and business-client needs.

  4. Statements and cash flowRequired

    Independently: Separate profit from cash available for repayment.

L2

Develop core skills

  1. Credit ratios and definitionsRequired

    Independently: Calculate liquidity and interest coverage ratios with definitions.

  2. Repayment and maturityRequired

    Independently: Map loan use, operating cash and repayment timing.

  3. Credit risk scenariosRequired

    Independently: Assess slower sales, delayed collection and higher interest scenarios.

L3

Practise scenarios

  1. Research, citation and argumentRequired

    Write a sourced analytical paragraph with limitations.

  2. Credit memoRequired

    Independently: Draft purpose, repayment capacity, risks and missing facts.

  3. Client questions and diligenceOptional

    Independently: Prepare five questions that clarify cash-flow uncertainty.

L4

Build a work sample

  1. Present an inspectable work sampleRequired

    Submit a work sample with method, results and reflection.

Try a practice set

Calculations and choices receive immediate checks. Review open responses yourself against the rubric. All examples are educational.

1. EBIT is 120 and interest expense 30. What is interest coverage?
2. What is most relevant to repayment capacity?
3. After the credit memo task, state one assumption, one supporting fact and one condition that would change your conclusion.

Fictional business credit memo

For this fictional business credit memo, bound the problem to one educational scenario. List inputs and assumptions, preserve calculations and distinguish findings from missing evidence.

Define the question, scope and success criteria of this fictional business credit memo.

Record data, source links, dates, units and assumptions.

Write reproducible steps with calculations, evidence or a process map.

Separate observations, interpretation and recommendations.

List unknowns, validation steps and conditions that change the conclusion.

Work-sample checklist