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 credit quality and repayment behavior.
Learners will explore key assessment dimensions such as demographic factors, succession-related considerations, segment-specific vulnerabilities, and relationship-driven risks that may affect borrower intent and repayment outcomes, with an emphasis on independent validation and well-documented rationale. The course highlights how cross-sell incentives, information asymmetry, or over-leveraging risks can emerge if not properly governed. It also distinguishes cross-sell and relationship risk awareness from broader portfolio diversification strategies, emphasizing its role in managing borrower-level relationship risks rather than portfolio-level risk distribution.
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 credit manager in validating team-level analysis, approving case recommendations, and managing segment-level exposure, including oversight of cross-sell suitability, documentation standards, exception handling, and escalation protocols aligned with credit committee priorities.