This course covers Non-Financial Covenant Tracking, which involves tracking compliance with non-financial covenants within the Credit Monitoring & Portfolio Surveillance credit workflow to ensure governance adherence, behavioural discipline, and early detection of operational or reporting-related risks that may indicate emerging credit stress. 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 assessment, and breach response related to non-financial covenant obligations and borrower behaviour signals, 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.