This course covers Waiver Expectation Behaviour Risk, which focuses on the risk that repeated credit waivers can create borrower expectations influencing future repayment behavior. Assessment considers sector risk, collateral evaluation, sustainability of rural/agri-enterprise lending, and cash-flow analysis, with each dimension requiring independent validation and documented rationale before any credit action is finalized.
Unlike portfolio diversification strategy, this course specifically identifies and manages behavioral risks arising from repeated waivers. Within Restructuring & Stress Decisioning, the credit manager validates team-level analysis, approves case recommendations, and oversees segment-level exposure, guiding escalation and credit committee priorities.