This course covers Equipment Age, Usage & Depreciation Assessment, which involves assessing depreciation patterns and valuation impact based on equipment age, usage intensity, maintenance condition, and operational usability within the Credit Technical & Valuation Services credit workflow. It focuses on evaluating how wear and tear, operating conditions, technological relevance, maintenance practices, and utilization levels affect the residual value, functionality, marketability, and collateral strength of movable assets and industrial equipment. The course evaluates key dimensions such as usage intensity, maintenance condition, usability analysis, and depreciation assessment, with each requiring independent validation and documented rationale before any credit action is finalized. It is distinct from the broader credit approval process, as it focuses specifically on structured identification, assessment, and escalation of age-related deterioration, operational condition, and depreciation risks associated with equipment-backed exposures and movable collateral assets, while the credit approval process addresses wider lending decisions, approval governance, and portfolio strategy with separate evidence standards, ownership, and approval authority. Within Movable Asset & Equipment Valuation, the senior credit leader sets portfolio limits, governs exception criteria, and drives strategic alignment across the Credit Technical & Valuation Services function, shaping escalation scope and credit committee priorities.