This course covers Account Severity Grading Awareness, which involves understanding severity grading frameworks used for monitored accounts within the Credit Monitoring & Portfolio Surveillance credit workflow to prioritize risk levels, ensure timely escalation, and support consistent asset quality management decisions. It evaluates key dimensions such as tracking classification movements, anticipating slippages to support timely escalation, early warning signal identification, and risk trend analysis, with each requiring independent validation and documented rationale before any credit action is finalized. It is distinct from related credit management processes, as it focuses specifically on structured severity assessment, monitoring interpretation, and breach response related to graded risk classification of accounts, while broader credit management processes address strategic governance, credit approval frameworks, and portfolio management decisions with separate evidence standards, ownership, and approval authority. Within Watchlist & Asset Quality Surveillance, the credit manager executes the assessment, approves case recommendations, and manages segment-level exposure within Credit Monitoring & Portfolio Surveillance, shaping escalation scope and credit committee priorities.