Recalibrate credit lines monthly across our 22,000-SMB portfolio. Flag accounts where utilization, days-past-due, or sector exposure suggest the line should be reduced or frozen, and propose a new limit. Pull repayment history and DPD bands from the core banking system. Pull external credit signals from Dun & Bradstreet. The chief risk officer reviews proposed line changes weekly; a recommendation is correct if the account does not breach the new limit within 90 days and does not default within 180 days. Past misses: we underweighted hospitality-sector concentration in Q3 2024 and held lines too high through the spring rate-shock; we also missed three early-stage delinquencies where DPD bands were stuck on stale data.