This course covers Policy Change Impact Assessment, which is the evaluation of how changes in policy affect credit exposures and risk management in agricultural lending. Key assessment dimensions include product circulars, PSL rules, sector risk, and collateral evaluation, each requiring independent validation and documented rationale before credit decisions are finalized.
It is distinguished from operational procedure design because it focuses on structured identification of risks and breach responses, rather than broader procedural planning. In practice, within Policy, Program & Compliance Application, the credit manager validates team-level assessments, approves recommendations, and oversees segment-level exposures, ensuring proper escalation to the credit committee when necessary.