Description

A focused course, tailored for you

Regional Bank VP's Portfolio Defence Playbook

How a regional-bank VP defends a specific credit portfolio when branch consolidation reaches the operating-model review.

Branch closures and online-banking shift change which VP-level seats survive the next operating-model review. The seat that survives owns a defensibly specific credit portfolio.

$199 one-time

Tailored to your situation. Access within 24 hours. 30-day money-back.

Includes a hand-built implementation playbook delivered alongside course access, generated for your specific situation.

Why this course

Regional banks closing branches in response to declining customer traffic and the shift to online and mobile reorganise commercial credit functions in the same operating-model cycle. The VP-level seat in business credit is where credit-quality, relationship continuity, and portfolio risk all land.

VPs who survive the cycle own a defensibly specific credit portfolio with measurable performance, specific relationships, and a documented growth narrative. VPs who continue managing 'a book of credit' in general are read as a cost layer the operating-model review can rationalise.

What decides which side is the same across regional bank credit functions in consolidation cycles: a specific portfolio strategy document with measurable book performance, a relationship map under your byline for the top accounts, and a weekly portfolio-state artefact the credit head adopts. The VPs with those three are protected in the cycle.

This playbook is the specific portfolio strategy, the relationship map, the weekly artefact, and the 90-day move to defensibly specific portfolio owner.

What you walk away with

A specific portfolio strategy document with measurable book performance.
A relationship map under your byline for your top accounts the credit head adopts.
A weekly portfolio-state artefact the credit head will paste into their deck.
A defensible answer when the operating-model review asks why the VP seat for this portfolio cannot be consolidated.
A clean scope statement that distinguishes VP from senior credit officer work defensibly.
A migration plan from generalist VP to credited owner of a specific portfolio the bank protects.

The 12 modules

Module 1. Reading the consolidation cycle for VP-level implications

Branch closures and online-banking shift reach credit functions in the same review. The diagnostic for the VP layer specifically.

Module 2. specific portfolio vs general book

The structural difference between a specific portfolio with measurable performance and a general book the next review can consolidate.

Module 3. Your specific portfolio strategy

Frame your book as one portfolio strategy with measurable performance, defined growth, and explicit risk posture. The document the credit head adopts.

Module 4. relationship map under your byline for top accounts

The relationship map for your top 20 accounts. Decision-makers, financial advisors, treasurers, succession risk. The map the credit head adopts as the standard.

Module 5. Weekly portfolio-state artefact for the credit head

Format, cadence, content. Three worked examples calibrated for regional-bank business credit portfolios.

Module 6. Working with risk, credit policy, and operations

VP-level work overlaps risk, credit policy, and operations. The artefact the cross-functional review will adopt.

Module 7. Branch-closure transitions and portfolio retention

Branch closures threaten portfolio retention. The specific moves that protect the book through the closure. The conversation pattern with affected clients.

Module 8. Credit quality narrative through the cycle

Credit quality is the line item finance and risk read. The narrative that puts your portfolio's credit quality in the protected column.

Module 9. Cross-portfolio leverage and reusable practices

Reusable VP practices (covenant workouts, growth-capital structures, relationship-renewal patterns) that strengthen the portfolio defensibility story.

Module 10. Scope statement: VP vs senior credit officer

Two overlapping seats. The scope statement that puts you in the VP one defensibly.

Module 11. Promotion mechanics inside regional banks

Internal path from VP to senior VP or market president. The promotion artefact. The two reviewers.

Module 12. Your 90-day move to defensibly specific portfolio owner

Day-by-day plan. Portfolio strategy v1 in week one. Relationship map v1 in week two. Weekly artefact running in week three. Credit-head conversation in month two. credited owner conversation in month three.

How this addresses your situation

Specific modules that map to what you said you are dealing with.

Modules 1 and 2 cover the diagnostic for a regional-bank VP in a branch and operating-model consolidation cycle.

Modules 3 to 5 produce the three artefacts (specific portfolio strategy, relationship map, weekly artefact) every defensibly-specific portfolio owner has.

Modules 6 to 9 cover the cross-functional cadence, transitions, credit-quality narrative, and reusable practices.

Modules 10 to 12 cover scope, promotion, and 90-day execution.

What you get with this course

The 12-module course delivered as text plus downloadable templates.
Templates for the specific portfolio strategy, the relationship map, and the weekly portfolio-state artefact.
A hand-built implementation playbook generated for your specific portfolio (VP at a regional bank in a branch and operating-model consolidation cycle).
Three worked examples of weekly portfolio-state artefacts (calibrated for different regional-bank portfolio types).
Scripted talking points for the credit-head conversation about defensibly specific portfolio ownership.

What you will have in hand by Day 1, Week 1, Month 1

Day 1: Portfolio strategy scaffold drafted; relationship-map target chosen.

Week 1: Portfolio strategy v1 written; relationship map v1 drafted.

Month 1: Weekly artefact landing with credit head; credit-head conversation completed; credited owner conversation scheduled.

Before and after

Before

You run a book of credit. Performance is reasonable. The branch closures are happening. The operating-model review is somewhere on the calendar. The credit head reads your reports but does not quote them. The cross-functional review treats your portfolio as one of many.

After

Your specific portfolio strategy is the document the credit head opens first. The relationship map under your byline is the standard the team has adopted. The weekly artefact lands in the credit head's leadership deck. The operating-model review names your portfolio as defensible. The senior-VP conversation is scheduled.

What happens if you do not address this

Operating-model reviews that follow branch consolidation reach the VP layer within two cycles. VPs whose books were not framed as defensibly-specific portfolios find their portfolios moved under another VP. The window to frame it is the months before the next review.

Who it is for

For Vice Presidents and senior credit officers at regional banks running business credit, commercial lending, and middle-market portfolios in a consolidation cycle.

Who this is NOT for. Junior credit analysts (the VP-level seat does not yet apply). VPs at money-center banks (the operating model is different). VPs at firms with no current branch or operating-model review.

How it arrives

Text-based course via LMS, plus downloadable templates and the hand-built implementation playbook.

Time investment. Roughly 10 hours of reading and 12 to 16 hours producing your real artefacts against your live book.

Why $199 is the right number

Internal training inside regional banks is general (credit-fundamentals refreshers). External banking conferences cover macro not the defensibility move during consolidation. A senior VP mentor would cover maybe four of these 12 modules informally. $199 buys the focused playbook plus the implementation document for your live portfolio.

FAQ

Will the credit head actually adopt my portfolio strategy as the standard?

Module 3 is built around the format the credit head adopts. Measurable performance, defined growth, explicit risk posture. Worked example included.

What if my portfolio is mostly long-standing relationships with no growth pressure?

Module 3 covers that case. Long-standing-relationship portfolios are defensible if the relationship map and credit-quality narrative are explicit. Worked example included.

Why pay for this instead of reading free banking-career content?

Free content covers general banking. This covers the defensibility move at VP level during regional-bank consolidation. Different problem, different artefacts, populated for your real portfolio.

What if branch closures have already affected my territory?

Module 7 covers that case. Post-closure retention work is in the worked examples.

What is in the implementation playbook for me specifically?

A populated specific portfolio strategy against your real book; a draft relationship map against your top 20; a 90-day visibility plan with scripted conversations against the credit head and your market president.

30-day money-back guarantee. If after a week of working through the materials this is not what you needed, reply to the receipt email and a full refund is processed. No questions, no forms.

Within 24 hours your account in the learning environment is provisioned and the tailored implementation playbook is delivered alongside it.