This course introduces Sectoral Stress Correlation within the Commercial Vehicle Retail Credit process. It focuses on evaluating how stress events can create correlated risks across sectors and increase the likelihood of simultaneous credit deterioration. Learners will explore key concepts such as sectoral correlation, systemic risks in distressed assets, borrower viability, and asset valuation. The course also examines how sectoral stress correlation differs from related credit management processes and highlights the senior credit leader’s role in setting portfolio limits, governing exception criteria, and managing concentration and systemic risks across the portfolio.