{"title":"Chad W Maze","description":null,"products":[{"product_id":"banking-the-business-book-chad-w-maze-9798995635932","title":"Banking the Business","description":"\u003cp\u003eYou already know more than you think. The question is whether anyone has shown you how to use it.\u003c\/p\u003e \u003cp\u003e\u003ci\u003eBanking the Business: Where Retail Banking Ends and Business Banking Begins\u003c\/i\u003e is the book for the banker who is good at what they do, and knows they are standing at the edge of something bigger. Whether you are a retail branch banker exploring the move into business lending, a new commercial lender in your first two years, or a universal banker expected to hold consumer and commercial conversations with equal confidence, this book was written for you.\u003c\/p\u003e \u003cp\u003eThe transition from retail to commercial banking is not just a skills upgrade. It is a fundamental reorientation, from products to custom-built solutions, from transaction to relationship, from asking whether a borrower qualifies to asking whether the deal makes sense. The instincts that made you effective in retail banking are real and worth building on. What this book gives you is the framework that makes them work in a commercial context.\u003c\/p\u003e \u003cp\u003eOrganized in three parts, \u003ci\u003eBanking the Business\u003c\/i\u003e covers the mindset shift the transition requires, the financial statement literacy every commercial lender must develop, and the full arc of how a commercial deal comes together, from the first conversation to the loan structure to the lender's mindset that holds it all in place. Along the way, you'll be introduced to the \u003ci\u003e5 Cs and a G\u003c\/i\u003e -- a complete six-lens credit framework that includes the element most training programs skip entirely, and to the discipline of Story Before Structure, the practice that separates bankers who process deals from bankers who understand them.\u003c\/p\u003e \u003cp\u003eSix practical appendices go beyond the chapters: a three-version story workshop that shows what a complete credit story actually looks like, a practitioner's glossary of commercial banking terms, the ten most common mistakes retail bankers make in the transition, a full business banking conversation guide from first meeting to first loan request, a DSCR quick reference with worked examples and stress test scenarios, and a loan structure guide covering every primary instrument.\u003c\/p\u003e \u003cp\u003eThis is not a textbook. It is a practitioner's introduction to how commercial bankers think, written by someone who has hired, developed, and evaluated commercial lenders for more than thirty years.\u003c\/p\u003e \u003cp\u003eWhen you finish, you will not be a fully formed commercial banker. You will be a banker who is ready to become one. That is a different and more useful thing.\u003c\/p\u003e \u003cp\u003e\u003ci\u003ePart of the Discipline of Banking(tm) Series.\u003c\/i\u003e\u003c\/p\u003e","brand":"WoB","offers":[{"title":"US \/ NEW \/ INGRAM","offer_id":54209240891665,"sku":"NIN9798995635932","price":0.0,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/9798995635932.jpg?v=1786624825"},{"product_id":"loan-by-design-book-chad-w-maze-9798995635963","title":"Loan by Design","description":"\u003cp\u003eMost commercial loans that fail were broken before credit ever saw them.\u003c\/p\u003e \u003cp\u003eNot because the business was bad. Not because the banker wasn't trying. Because the work that determines whether a loan succeeds - the discovery, the structure, the shaping of a request into something that actually makes sense - happens at the front end. Before the spreadsheet opens. Before the credit memo is written. Before underwriting inherits a deal the banker didn't fully understand.\u003c\/p\u003e \u003cp\u003e\u003ci\u003eLoan by Design(tm): How Good Loans Are Built Before Credit Ever Sees Them\u003c\/i\u003e is a practitioner's guide to that front-end work. It is not a credit policy manual. It does not walk through underwriting models, debt service calculations, or loan committee procedures. What it does, and what very few resources do, is explain how experienced commercial lenders actually think: the questions they ask before a deal is shaped, the patterns they recognize before it goes sideways, and the discipline that separates a well-built loan from a well-intentioned one.\u003c\/p\u003e \u003cp\u003eBuilt around a simple but powerful idea, banks don't find good loans, they build them. \u003ci\u003eLoan by Design(tm)\u003c\/i\u003e covers the full arc of front-end commercial lending practice. It begins with the foundations: what a good commercial loan really is, how operating cycles create borrowing needs, and why structure is the banker's actual product. It moves through the building blocks of loan structure, the practical differences between lines and term loans, the real role of SBA as a structuring tool rather than a fallback, and the mechanics of pricing and general terms most bankers learn too late. It then applies that foundation to the four primary loan types, SBA, construction, commercial real estate, and C\u0026amp;I, before addressing how deals move, where they break, how borrowers experience structure emotionally, and the warning signs that appear at the front end of nearly every problem loan.\u003c\/p\u003e \u003cp\u003eThree appendices built for real-time use round out the book: a Deal Clinic presenting five common deal patterns twice each, the version that goes wrong and the version that doesn't, with annotation at every decision point; a Conversation Guide covering eight of the most challenging front-end moments a commercial banker faces, from reframing what a borrower actually needs to delivering a decline with the relationship intact; and ten reference pages designed to be printed, kept open, and used at your desk, in client meetings, and in coaching.\u003c\/p\u003e \u003cp\u003eThis is the book for the commercial banker who wants to understand the why behind the work - not just whether a deal gets approved, but whether it was built right.\u003c\/p\u003e \u003cp\u003e\u003ci\u003ePart of the Discipline of Banking(tm) Series.\u003c\/i\u003e\u003c\/p\u003e","brand":"WoB","offers":[{"title":"US \/ NEW \/ INGRAM","offer_id":67621450907921,"sku":"NIN9798995635963","price":0.0,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/9798995635963.jpg?v=1790979949"}],"url":"https:\/\/www.worldofbooks.com\/en-gb\/collections\/author-books-by-chad-w-maze.oembed","provider":"World of Books ","version":"1.0","type":"link"}