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SMA & NPA Recognition Accuracy - Credit Monitoring & Portfol

Last Updated:06/2026 English (US) Instructor: Eduonix Learning Solutions

Lectures: 1
|
Videos: hours
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Level: All
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Language: English
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Last Updated: 06/2026

Skills: Banking Finance

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About this Course

This course covers SMA & NPA Recognition Accuracy, which involves assessing the accuracy and timeliness of identifying Special Mention Accounts (SMA) and Non-Performing Assets (NPA) within Credit Monitoring & Portfolio Surveillance workflows. It focuses on evaluating whether borrower accounts are correctly classified based on repayment performance, overdue status, regulatory requirements, and internal monitoring standards, ensuring that emerging credit deterioration is detected and reported without delay. The course examines how payment behavior, delinquency trends, account conduct, restructuring events, and monitoring controls influence SMA and NPA recognition outcomes, as well as the potential risks arising from misclassification, delayed recognition, or reporting inaccuracies. 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 maintaining classification accuracy, validating regulatory compliance, identifying recognition gaps, and ensuring that asset quality deterioration is reflected appropriately in portfolio monitoring and reporting processes. It is distinct from the credit approval process, as it focuses on the ongoing monitoring, classification, and recognition of deteriorating credit exposures after origination, rather than the assessment and approval of new credit facilities. Within Regulatory & Policy Compliance Monitoring, the credit manager validates team-level analysis, approves case recommendations, and manages segment-level exposure within Credit Monitoring & Portfolio Surveillance, shaping escalation scope, compliance priorities, and governance decisions related to asset classification, regulatory reporting, and portfolio risk management.

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Eduonix Learning Solutions

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Eduonix creates and distributes high quality technology training content. Our team of industry professionals have been training manpower for more than a decade. We aim to teach technology the way it is used in industry and professional world. We have professional team of trainers for technologies ranging from Mobility, Web to Enterprise and Database and Server Administration.

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