This course introduces Time Value Erosion Consideration within the Commercial Vehicle Retail Credit process. It focuses on understanding how delays in recovery, resolution, or enforcement can reduce the economic value of recoveries over time. Learners will explore key considerations such as resolution timelines, execution risk, borrower viability, and asset valuation, and how these factors influence recovery outcomes and risk-adjusted returns. The course also examines how time value erosion consideration differs from related credit management processes and highlights the senior credit leader’s role in guiding pricing, haircut decisions, and risk compensation strategies to support effective portfolio management.