This course covers Condition-Based Value Adjustment Awareness, which involves adjusting collateral valuation based on the observed physical condition, operational status, and maintenance quality of movable assets and equipment within the Credit Technical & Valuation Services credit workflow to ensure realistic valuation accuracy and reliable recovery assessment. It evaluates key dimensions such as usability, depreciation, and specialized technical and legal assessment considerations, 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 condition assessment, valuation adjustment analysis, and exposure evaluation related to the physical state and operational effectiveness of movable assets, while broader credit management processes address wider lending governance, approval frameworks, and portfolio strategy with separate evidence standards, ownership, and approval authority. Within Movable Asset & Equipment Valuation, the credit manager validates team-level analysis, approves case recommendations, and manages segment-level exposure within Credit Technical & Valuation Services, shaping escalation scope and credit committee priorities.