# The bakery loan request “The bakery loan request” is a credit analyst job simulation on FinderK. You work at Aldwick Business Bank, an original fictional company, and complete 3 assignments in about 65 minutes. It is for anyone who wants to practice credit analyst work. No previous work experience is required. - Role: Credit analyst - Industry: Banking - Career: Finance and accounting (https://finderk.com/careers/finance-and-accounting) - Level: Early career - Time: About 65 minutes, 3 assignments - Access: Included in Plus - Created by: FinderK - Work tools: Mail, Office documents and spreadsheets, Chat, Notes - Page: https://finderk.com/simulations/the-bakery-loan-request - Last updated: 2026-10-10 ## Summary A well run bakery wants a loan for a second oven and a bigger overdraft. The reported figures pass the bank's tests easily. Normalise them, test the request against the credit policy, find a structure that works and hold the line when a contract arrives that does not count. ## Full brief You are a graduate credit analyst at a business bank. A bakery the bank has supported for nine years wants 150,000 pounds for a second oven line and twice its overdraft, and its relationship manager backs it warmly. The headline profit includes an insurance payout, the forecast depends on a coffee chain that has only sent a letter of intent, and the policy counts an overdraft at its full limit. You spread the figures, write the credit paper with a structure that meets policy, and then judge new trading figures and a freshly signed contract. Automated checks confirm your figures and saved work; your judgement is reviewed against the standard for the role. ## What is Aldwick Business Bank? Aldwick Business Bank is a fictional bank lending to small and medium businesses in the north of England. This case is a request from a long-standing customer, Crumb and Co Bakeries Ltd, for a 150,000 pound oven loan and a larger overdraft. It runs from Tuesday 27 to Thursday 29 October 2026. Amounts are in pounds. The credit analyst analyses and recommends; a senior credit officer approves up to 250,000 pounds; the relationship manager tells the customer. ## Who do you play? You are the credit analyst in the Business banking credit team. You analyse lending requests against the credit policy and recommend a decision. Margit Halvorsen approves up to 250,000 pounds of total borrowing for a customer. Hassan Qureshi presents the customer's case and tells the customer the decision. You never tell a customer or a relationship manager that lending is approved before Margit has signed. ## What will you do? 1. 1. Spread the figures and test the request (20 minutes) 2. 2. Write the credit paper and recommend a structure (25 minutes) 3. 3. Judge the new evidence and set conditions (20 minutes) ## Which skills will you practice? - Normalise a business's earnings for one-off items - Test a lending request against a credit policy - Recommend a structure that meets policy without losing the customer - Judge whether new evidence changes a credit decision ## Frequently asked questions ### How long does “The bakery loan request” take? About 65 minutes, across 3 assignments. When the time is up, you get 10 minutes to round up and submit. Pausing stops the clock. ### Is “The bakery loan request” free? No. It is included in FinderK Plus. With a free account you can also do it without grading. ### Do I need credit analyst experience? No. No previous work experience is required. The listed level is early career. ### What do I get when I finish? You get feedback on each assignment you submit. Completing all required assignments earns a completion certificate. It records participation and is not professional accreditation. ### Is Aldwick Business Bank a real company? No. Aldwick Business Bank is an original fictional company made for practice. Its coworkers may make mistakes, so check their suggestions against the evidence.