This course covers Time-in-Bucket Monitoring, which involves assessing the length of time an exposure remains within a specific delinquency, risk, watchlist, or SMA classification bucket within Credit Monitoring & Portfolio Surveillance workflows. It focuses on identifying accounts that remain in higher-risk categories for extended periods, as prolonged duration within a bucket may indicate unresolved issues, ineffective remediation efforts, or increasing credit deterioration. The course examines how monitoring bucket ageing trends can provide early visibility into worsening borrower conditions and support timely escalation and intervention. 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 tracking ageing patterns, assessing the effectiveness of corrective actions, identifying stagnating accounts, and prioritizing exposures requiring enhanced oversight. It is distinct from an early warning detection system, as it focuses specifically on monitoring the duration and progression of exposures within defined risk categories, rather than the broader identification of predictive borrower deterioration signals. Within Watchlist & Special Mention Account 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, monitoring priorities, and risk management actions based on bucket ageing trends and unresolved portfolio risks.