This course introduces the concept of Cross-Sell & Relationship Risk Awareness within the Tractor & Farm Equipment Credit framework. It focuses on understanding the risks and control considerations associated with cross-selling financial products to existing borrowers, and how relationship dynamics can influence borrower behaviour, leverage levels, and overall credit quality.
Learners will explore key assessment dimensions such as demographic factors, succession-related considerations, segment-specific vulnerabilities, and relationship-driven risks that affect repayment outcomes, with an emphasis on independent validation and well-documented rationale. The course highlights how cross-sell practices, if not aligned with borrower capacity and needs, can lead to over-leveraging, mis-selling, or distorted risk assessment. It also distinguishes cross-sell and relationship risk awareness from broader portfolio diversification strategies, emphasizing its role in managing borrower-level behavioural and relationship risks rather than portfolio-level allocation decisions.
By the end of the course, participants will understand how to assess and manage cross-sell and relationship risks in practice, particularly within Borrower Risk Profiling and Relationship Risk. The course also emphasizes the role of the senior credit leader in setting portfolio limits, governing exception criteria, and ensuring strategic alignment across the Tractor & Farm Equipment Credit function, including oversight of cross-sell suitability, documentation standards, exception handling, and escalation protocols aligned with credit committee priorities.