What timeframe of missed payments triggers an SMA-0 classification for a borrower’s account?

The Special Mention Account-0 (SMA-0) is the very first warning stage triggered the moment a borrower misses a payment due date.

Exam tip: The timeline starts immediately. A loan does not get a “free pass” for the first month; day one of a missed payment instantly flags the account internally as SMA-0. Because early intervention saves bad loans, banks flag accounts instantly so collection agents can reach out before the borrower falls too deeply into debt to recover.