This course covers Household Income Source Mapping, which involves mapping and quantifying all sources of household income, including farm and non-farm activities, to build a comprehensive view of total earning capacity, within Crop & Seasonal Agri Credit. 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 behavioural patterns, financial obligations, risk indicators for sustainable decision-making, and crop cycle alignment, with each requiring independent validation and documented rationale to ensure that income assessments are complete, accurate, and reliable.
It is distinct from related credit management processes, as it focuses on structured identification of income-related risks and dependencies at the exposure level, rather than broader strategic or operational frameworks—each governed by separate evidence standards, ownership, and approval authority.
Within Borrower & Household Profiling, the credit manager validates team-level analysis, approves case recommendations, and manages segment-level exposure within Crop & Seasonal Agri Credit, directly influencing escalation scope and credit committee prioritization.