This course covers Repeated Exception Patterns, which involves assessing recurring exceptions, policy deviations, control breaches, and governance issues within Credit Monitoring & Portfolio Surveillance workflows to identify underlying risk trends and systemic weaknesses. It focuses on analyzing whether similar exceptions occur repeatedly across borrowers, portfolio segments, products, processes, or business units, indicating potential deficiencies in controls, oversight, or policy adherence. The course examines how recurring exceptions can serve as important indicators of emerging portfolio risks, ineffective remediation practices, and persistent governance challenges. 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 identifying root causes, assessing the frequency and materiality of recurring exceptions, monitoring trends over time, and ensuring appropriate escalation and corrective action. It is distinct from broader credit management processes, as it focuses specifically on the identification and analysis of recurring exception trends and breach response activities, rather than broader strategic credit planning, portfolio management, or policy development functions. Within Exception & Deviation Management, 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 governance decisions based on recurring exception trends and their potential impact on portfolio quality and control effectiveness.