This course covers Seasonal Cash Flow Mapping, which involves mapping seasonal income and expense patterns to understand cash flow cycles, liquidity gaps, and repayment capacity across different periods of the year. It evaluates key dimensions such as behavioral patterns, financial obligations, risk indicators for sustainable decision-making, and sector risk, with each requiring independent validation and documented rationale before any credit action is finalized.
It is distinct from portfolio diversification strategy, as it focuses on exposure-level cash flow timing and variability, rather than broader portfolio allocation. Within Borrower & Household Profiling, the credit manager validates team-level analysis, approves case recommendations, and manages segment-level exposure, shaping escalation decisions and credit committee priorities.