This course covers Non-Financial Covenant Tracking, which involves tracking compliance with non-financial covenants related to governance standards, disclosures, utilisation behaviour, and operational obligations within the Credit Monitoring & Portfolio Surveillance credit workflow to support proactive exposure management and timely identification of covenant-related risks. It evaluates key dimensions such as governance, disclosures, utilisation behaviour, and covenant compliance, with each requiring independent validation and documented rationale before any credit action is finalized. It is distinct from broader early warning detection systems, as it focuses specifically on structured monitoring, compliance tracking, and breach response related to non-financial covenant obligations and account behaviour, while early warning detection systems address wider predictive monitoring and strategic risk surveillance with separate evidence standards, ownership, and approval authority. Within Account Performance & Behaviour 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.