This paper explains how early warning systems and scenario analysis help banks build resilience and adapt to growing uncertainty. Credit portfolio managers face increasingly interconnected risks driven by geopolitical conflict, inflation, rapid interest rate changes, and tighter credit conditions, all of which can trigger cascading effects across financial systems. At the same time, regulatory expectations continue to expand in volume and complexity. The paper highlights the need for forward‑looking tools that detect emerging risks early and assess portfolio impacts under different scenarios. By combining early warning signals with scenario analysis, banks can respond more proactively, strengthen risk management, and improve stability in volatile environments.

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