This course covers Repayment Track Record Review, which involves assessing the historical repayment behavior of borrowers to evaluate credit performance, payment consistency, and emerging risk indicators within Credit Monitoring & Portfolio Surveillance workflows. It focuses on analyzing repayment patterns, delinquency occurrences, missed installments, cure rates, and overall payment discipline to identify signs of financial stress or deterioration in credit quality. The course examines how repayment history serves as a critical indicator of borrower reliability and supports early detection of potential default risks, enabling timely intervention and proactive portfolio risk management. It 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 payment trend analysis, delinquency monitoring, behavioral risk assessment, account performance evaluation, and governance oversight of borrower repayment performance. It is distinct from an early warning detection system, as it focuses specifically on the structured review of historical repayment behavior and account performance, rather than the broader framework used to identify and monitor a wide range of predictive credit risk signals. Within Account-Level Performance Monitoring, the senior credit leader sets portfolio limits, governs exception criteria, and drives strategic alignment across the Credit Monitoring & Portfolio Surveillance function, shaping escalation scope, risk priorities, and portfolio management decisions through effective assessment of borrower repayment track records and evolving account-level credit performance.