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IRAC Norm Application - Credit Monitoring & Portfolio Survei

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, and Provisioning (IRAC) norms to identify credit risk exposures, regulatory classification requirements, and potential compliance concerns within Credit Monitoring & Portfolio Surveillance workflows. It focuses on evaluating whether borrower accounts are classified, monitored, and reported in accordance with applicable regulatory requirements, ensuring that deterioration in credit quality is identified and addressed in a timely manner. The course examines how repayment performance, overdue status, restructuring events, asset classification criteria, and provisioning requirements influence portfolio risk assessment and regulatory reporting outcomes. 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 the accurate application of IRAC guidelines, identification of classification breaches, monitoring of regulatory compliance risks, and ensuring that asset quality assessments remain consistent with established standards. It is distinct from broader credit management processes, as it focuses specifically on the regulatory application of asset classification and provisioning requirements for monitored exposures, rather than broader strategic credit planning, underwriting, or portfolio management activities. Within Regulatory & Policy Compliance Monitoring, the credit manager validates team-level analysis, approves case recommendations, and manages segment-level exposure within Credit Monitoring & Portfolio Surveillance, shaping escalation scope, compliance priorities, and governance decisions related to regulatory reporting and asset quality management.

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Eduonix Learning Solutions

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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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