This course covers Account Severity Grading Awareness, which involves understanding the severity grading frameworks used for monitored accounts within the Credit Monitoring & Portfolio Surveillance credit workflow to support prioritisation of high-risk exposures, timely escalation, and effective asset quality management. 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 assessment, severity grading interpretation, and breach response related to monitored account risk levels and deterioration indicators, while broader credit management processes address wider strategic and operational considerations with separate evidence standards, ownership, and approval authority. Within Watchlist & Asset Quality Surveillance, the credit analyst executes the assessment, completes documentation, and flags exceptions for manager review within Credit Monitoring & Portfolio Surveillance credit files, shaping escalation scope and credit committee priorities.