This course covers Deviation Identification & Proposition Fit, which involves understanding how to identify policy deviations and evaluate whether a lending proposal remains aligned with the intended business proposition, risk appetite, and credit framework, within Business Loan Credit (Proposition). It applies to accounts requiring structured assessment, clear boundary definition, and independent review before any credit decision is finalized.
It evaluates key dimensions such as managing deviations and overrides, assigning risk grades, ensuring approval governance, maintaining exposure discipline, and aligning with proposition-led business lending objectives, with each requiring independent validation and documented rationale to ensure that deviations are justified, controlled, and consistent with the underlying credit proposition.
It is distinct from operational procedure design, as it focuses on structured identification of deviation risks and proposition misalignment at the exposure level, rather than broader workflow or process design—each governed by separate evidence standards, ownership, and approval authority.
Within Credit Policy, Appraisal & Decisioning, the credit manager validates team-level analysis, approves case recommendations, and manages segment-level exposure within Business Loan Credit (Proposition), directly influencing escalation scope and credit committee prioritization.