This course covers Operational Stress Signals, which involves assessing operational indicators and warning signs that may reflect emerging stress within a borrower’s business operations and potentially impact credit quality within Credit Monitoring & Portfolio Surveillance workflows. It focuses on identifying disruptions, inefficiencies, capacity constraints, supply chain issues, workforce challenges, production slowdowns, and other operational concerns that may weaken a borrower’s ability to meet financial obligations. The course 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 recognizing operational deterioration at an early stage, assessing its potential impact on repayment capacity, and ensuring that significant risk indicators are escalated through appropriate monitoring and governance channels. It is distinct from broader credit management processes, as it focuses specifically on identifying and responding to operational stress-related warning signals that may affect exposure performance, rather than broader strategic credit planning, portfolio management, or policy frameworks. Within Early Warning Signal Identification, the credit manager validates team-level analysis, approves case recommendations, and manages segment-level exposure within Credit Monitoring & Portfolio Surveillance, shaping escalation scope, monitoring priorities, and risk mitigation actions based on emerging operational stress concerns.