This course covers Group & Obligor Exposure Aggregation, which involves aggregating credit exposures across related entities, obligor groups, and connected counterparties within the Credit Monitoring & Portfolio Surveillance credit workflow to assess true consolidated risk and prevent underestimation of interconnected exposure. It evaluates key dimensions such as exposure distributions, correlated risks to maintain portfolio resilience, early warning signal identification, and risk trend analysis, with each requiring independent validation and documented rationale before any credit action is finalized. It is distinct from portfolio diversification strategy, as it focuses specifically on structured identification, aggregation, and breach response related to connected obligor exposures and group-level concentration risk, while portfolio diversification strategy addresses broader strategic allocation and diversification decisions with separate evidence standards, ownership, and approval authority. Within Portfolio Risk & Concentration Monitoring, the credit analyst executes the assessment, completes documentation, and flags exceptions for manager review within Credit Monitoring & Portfolio Surveillance credit files, shaping escalation scope and credit committee priorities.