In the rapidly evolving lending landscape, caused in part by the bank failures of 2023, credit portfolios are facing significant stress and heightened challenges, including rising default rates, fluctuating interest rates, and economic uncertainty. Coupled with strict regulatory demands for risk differentiation and portfolio diversification, these pressures are exposing the limitations of current credit portfolio monitoring processes, which are often static, reactive and subjective. The Australian CRE market has seen an 8.5% decline in capital growth with the office sector being a major contributor to this decline due to its cumulative loss of 22%. As a result, financial institution (FI) leaders are rethinking their credit portfolio management practices.