This course introduces the concept of Waiver Expectation Behaviour Risk within the Crop & Seasonal Agri Credit framework. It focuses on assessing the risk that repeated loan waivers or relief measures create borrower expectations that may influence repayment discipline and credit behavior.
Learners will explore key assessment dimensions such as crop cycle alignment, income estimation, repayment structuring, and climate-linked risk assessment, with an emphasis on independent validation and well-documented rationale. The course also distinguishes waiver expectation behaviour risk from broader portfolio diversification strategies, highlighting its specific role in identifying behavioural risks that affect repayment patterns at the exposure level.
By the end of the course, participants will understand how to evaluate and manage waiver-related behavioural risks in practice, particularly within Monitoring, Early Warning, and Field Controls, including documentation standards, exception handling, and escalation for review within the credit approval process.