Prepare a Commercial Deposit Concentration Review

Large or irregular deposits may reflect a healthy contract cycle, a seasonal business, or a change that needs further review. A commercial banker should avoid treating a dollar amount as its own explanation. Ask where the deposits originate, how often the pattern occurs, who reconciles them, and whether the customer expects the pattern to continue. Build an accurate operating narrative so the designated team can evaluate each transaction on its facts.

Northpoint Events receives deposits after several large conventions each spring. Its CFO wants to know whether the new pattern will affect banking services. The banker asks for the event calendar, a sample reconciliation, and the person responsible for records of incoming payments. She explains that the bank may need to review transaction details under current procedures, and she does not promise that a deposit will receive a particular treatment.

Use confirmed records to distinguish routine deposits from an unexpected change. A schedule, invoices, and remittance information may help the appropriate team ask focused questions. Do not encourage the customer to alter its deposit behavior to obtain a desired result. The customer should continue operating according to its legitimate business needs while supplying complete and accurate information through the approved channel.

End with a recap that is ready for review: source of funds, expected timing, documentation owner, and next communication point. If the CFO asks for an outcome, state clearly that the designated team evaluates the facts. A commercial banker adds value by making the handoff specific enough that the customer is not asked to restart the story. This also helps the company set expectations internally: a documented pattern supports a better conversation, but it does not replace transaction review or bank procedures.