This course covers Non-Financial Covenant Compliance, which involves monitoring adherence to non-financial covenants within the Credit Monitoring & Portfolio Surveillance credit workflow to ensure proper governance compliance, behavioural discipline, and early identification of non-financial risk signals such as operational, reporting, or utilisation-based breaches. It evaluates key dimensions such as early warning signal identification, risk trend analysis, proactive portfolio risk management, and assessment scope, with each requiring independent validation and documented rationale before any credit action is finalized. It is distinct from operational procedure design, as it focuses specifically on structured monitoring, compliance assessment, and breach response related to non-financial covenant obligations and behavioural compliance indicators, while operational procedure design addresses broader governance frameworks, workflow structures, and process design with separate evidence standards, ownership, and approval authority. Within Covenant Monitoring & Compliance Surveillance, 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.