English to Italian Bus/Financial Finance (general)

Ciao,
sto traducendo alcuni documenti di carattere finanziario.

Trovo questo prodotto indicato in vari modi nel testo inglese:
"Excess", "Excesses", "Excess Procedure", "Excess Position".
Come rendere "Excess" in italiano? "Eccedenza" non mi sembra abbia senso (vedi sotto).
Ecco il contesto esplicativo:
An “excess position” is created when an account remains in an excess position at the close of business and no further items are able to be returned to bring the account back into credit or within an agreed credit limit, or in some countries an excess position may be a “predictive” excess based on a customer request for payment above their credit limit.

Grazie!