Commercial banking SA- a bit lost
Have an interview coming up for citi commercial banking SA, what sort of technicals do you guys recommend going over? there is also a case study which I am quite nervous about- not much material i could find online except for some youtube videos.
Any help will be really appreciated!
Bump
I have my final round for a similar position next week. Highly recommend using the 400 Investment Banking Questions from BIWS (just google it and the first link should be it). Most important are the account-related Qs. Also, use chat GPT, give it some examples of questions, and ask it to generate similar ones. Takes some playing around with the prompts but can give you a ton once it gets it. I'm not doing a case study but in the past have also used CGPT to concoct a borrowing request scenario to model and make recommendations for.
thanks! i'm wondering if there is a need to go into the different debt type etc or would that be too complex for SA?
i would guess any questions or case studies will mostly focus on secured term loans and maybe revolvers, doubt you will get into anything resembling high yield or subordinated or anything but wouldn't hurt to know the basics
Review 5 C’s of credit that should be a good baseline for general credit analysis.
on the technical side, review the I/S, B/S and SCF and really learn how they interact with each other. If it’s a C&I role, focus in on free cash flow calculations, fixed charge coverage, cash flow leverage…etc. oftentimes they’ll want to ask questions about comparing EBITDA to FCF or something similar, or what impact does this change have on each financial statement…etc. if it is real estate, learn more about cap rates, appraisals/appraisal policy (recent changes), loan structuring…etc. understanding collateral, LTV and PD at a base level could also help for the case.
might be good to understand what company size and products their commercial bank targets but I think I’d you have the basics down that’s what they’ll be looking for. Don’t overcomplicate it, especially if you’re cramming. I personally wouldn’t care if an analyst/intern didn’t know more complex debt structuring/product info.
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