This course covers Exception Ageing Analysis, which involves assessing the duration, status, and resolution timelines of approved exceptions, policy deviations, control breaches, and outstanding risk issues within Credit Monitoring & Portfolio Surveillance workflows. It focuses on identifying exceptions that remain unresolved beyond acceptable timeframes, evaluating the risks associated with prolonged deviations, and ensuring that corrective actions are implemented in a timely manner. The course examines how ageing exceptions can indicate control weaknesses, governance gaps, ineffective remediation efforts, or increasing exposure risk. It evaluates key dimensions such as control lapses, early warning signal identification, risk trend analysis, and proactive portfolio risk management, with each requiring independent validation and documented rationale before any credit action is finalized. Particular emphasis is placed on tracking exception ageing trends, assessing the materiality of unresolved issues, monitoring remediation effectiveness, and supporting appropriate escalation for long-outstanding exceptions. It is distinct from the credit approval process, as it focuses on the ongoing monitoring and management of approved exceptions and deviations after credit decisions have been made, rather than the assessment and approval of new credit exposures. Within Exception & Deviation Management, the senior credit leader sets portfolio limits, governs exception criteria, and drives strategic alignment across the Credit Monitoring & Portfolio Surveillance function, shaping escalation scope, risk priorities, and governance actions based on the ageing profile and risk implications of outstanding exceptions.