Originally Posted by Unregistered

Cash management deals more with getting the customer to open and maintain the account with the bank as their key operating account. They offer things like cash pooling among different accounts etc.

Treasury services usually involve offering FX spot/forward/swap facilities for the customers to hedge their FX exposures. This sometimes goes together with their loan / financing facilities.

Trade finance is for buying/selling things from overseas where suppliers/buyers require LCs.

Loans and financing includes your general biz term loans, overdrafts, factoring.

Usually one does everything although they are specialized product specialists for cash management and treasury to accompany a RM/hunter to market it to customer. Loans and financing / trade finance are not the hardest because they are the most needed by companies. Companies need financing to help them bridge their working capital needs.