This course introduces the concept of Field Investigation & Ground Intelligence Usage within the Tractor & Farm Equipment Credit framework. It focuses on understanding how on-ground intelligence, field verification, and local insights are used to strengthen credit assessment, validate information, and detect risks that may not be visible through documentation alone.
Learners will explore key assessment dimensions such as inputs from manufacturers and vendors, third-party dependencies, and the role of governance and verification mechanisms in ensuring reliable field intelligence, with an emphasis on independent validation and well-documented rationale. The course highlights how structured field investigations can uncover discrepancies, validate borrower credibility, assess asset usage, and identify ecosystem risks including dealer influence or collusion. It also distinguishes field investigation and ground intelligence usage from broader credit management processes, emphasizing its role in evidence-based validation rather than end-to-end credit strategy.
By the end of the course, participants will understand how to effectively integrate field intelligence into credit decision-making, particularly within Dealer, Manufacturer, and Ecosystem Risk Management. 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 investigation quality, documentation standards, exception handling, and escalation protocols aligned with credit committee priorities.