Prudent record, winning without America (10)

I believe the answer is:

discerning

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'prudent record winning without america' is the definition.
I can't judge whether this defines the answer.

'prudent record winning without america' is the wordplay.
'prudent record' becomes 'disc' (eg a CD, compact disc. I am not sure about the 'prudent' bit.).
'winning' becomes 'earning' (win can mean to earn or obtain).
'without' suggests deleting specific letters.
'america' becomes 'A' (common abbreviation eg in USA).
'earning' with 'a' taken out is 'erning'.
'disc'+'erning'='DISCERNING'

Can you help me to learn more?

(Other definitions for discerning that I've seen before include "Unobtrusively perceptive" , "showing good taste" , "Showing good judgement" , "Making out" , "clever" .)

I've seen this clue in The Telegraph.

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