This course covers Business & Credit Alignment, which involves assessing the coordination and alignment between business objectives and credit risk management activities to ensure that portfolio growth, client management, and commercial priorities remain consistent with approved risk appetite and monitoring standards within Credit Monitoring & Portfolio Surveillance workflows. It focuses on evaluating how business and credit teams collaborate to identify emerging risks, respond to exposure concerns, address control weaknesses, and support informed decision-making throughout the portfolio lifecycle. The course 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 balancing commercial objectives with prudent risk oversight, ensuring effective communication between functions, and promoting timely escalation of material portfolio issues. It is distinct from broader credit management processes, as it focuses specifically on the alignment of business and credit perspectives in the identification, assessment, and breach response of monitored exposures, rather than broader strategic planning, policy development, or credit governance activities. Within Inter-Function Coordination & Escalation, the credit manager validates team-level analysis, approves case recommendations, and manages segment-level exposure within Credit Monitoring & Portfolio Surveillance, shaping escalation scope, coordination priorities, and governance actions across business and credit functions.