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IRAC Norm Application - Credit Monitoring & Portfolio Surve

Last Updated:06/2026 English (US) Instructor: Eduonix Learning Solutions

Lectures: 1
|
Videos: hours
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Level: All
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Language: English
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Last Updated: 06/2026

Skills: Banking Finance

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About this Course

This course covers IRAC Norm Application, which involves assessing the application of Income Recognition, Asset Classification (IRAC) norms to ensure accurate classification, monitoring, and reporting of credit exposures within Credit Monitoring & Portfolio Surveillance workflows. It focuses on evaluating borrower repayment performance, delinquency status, asset classification criteria, and regulatory requirements to identify potential breaches, misclassifications, or emerging credit deterioration. The course examines how proper application of IRAC norms supports regulatory compliance, accurate portfolio reporting, timely recognition of stressed assets, and effective risk management. 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 classification accuracy, delinquency monitoring, regulatory interpretation, reporting consistency, and governance oversight of asset quality assessments. It is distinct from broader credit management processes, as it focuses specifically on the regulatory application of IRAC guidelines and exposure classification requirements, rather than broader credit origination, approval, or portfolio management activities. Within Regulatory & Policy Compliance Monitoring, the senior credit leader sets portfolio limits, governs exception criteria, and drives strategic alignment across the Credit Monitoring & Portfolio Surveillance function, shaping escalation scope, compliance priorities, and portfolio risk management decisions through accurate application of IRAC norms and regulatory standards.

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Eduonix creates and distributes high quality technology training content. Our team of industry professionals have been training manpower for more than a decade. We aim to teach technology the way it is used in industry and professional world. We have professional team of trainers for technologies ranging from Mobility, Web to Enterprise and Database and Server Administration.

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