This course covers Business & Credit Alignment, which involves assessing the coordination and alignment between business objectives and credit risk management practices within Credit Monitoring & Portfolio Surveillance workflows. It focuses on ensuring that portfolio growth strategies, client relationship objectives, and commercial priorities remain consistent with approved risk appetite, credit policies, and portfolio quality standards. The course examines how effective alignment between business and credit functions supports balanced decision-making, strengthens risk governance, and enables the timely identification and escalation of emerging portfolio concerns. It evaluates key dimensions such as control lapses, early warning signal identification, risk trend analysis, and proactive portfolio risk management, with each requiring independent validation and documented rationale before any credit action is finalized. Particular emphasis is placed on communication between business and credit teams, alignment of risk and commercial objectives, resolution of conflicting priorities, and coordinated management of stressed or higher-risk exposures. It is distinct from broader credit management processes, as it focuses specifically on the interaction and alignment between business and credit stakeholders in managing portfolio risks and responding to exposure-related concerns, rather than broader strategic credit planning or operational execution activities. Within Inter-Function Coordination & Escalation, the senior credit leader sets portfolio limits, governs exception criteria, and drives strategic alignment across the Credit Monitoring & Portfolio Surveillance function, shaping escalation scope, coordination priorities, and portfolio risk management decisions through effective business and credit collaboration.