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Borrower Concentration Risk in LAS - Loan Against Shares

Last Updated:05/2026 English (US) Instructor: Eduonix Learning Solutions

Lectures: 1
|
Videos: hours
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Level: All
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Language: English
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Last Updated: 05/2026

Skills: Banking Finance

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About this Course

This course introduces the concept of Borrower Concentration Risk in LAS within the Loan Against Shares (LAS) Credit framework. It focuses on assessing exposure concentration to individual borrowers or related borrower groups in order to control concentration risk, maintain portfolio resilience, and strengthen secured lending governance within LAS operations.

Learners will explore key assessment dimensions such as monitoring and controlling exposure through loan-to-value (LTV) ratios, margin management practices, and concentration limit governance, with an emphasis on independent validation and well-documented rationale. The course highlights how borrower concentration risk assessment influences exposure containment, collateral diversification, margin stability, recovery resilience, market risk management, and overall portfolio quality. It also examines how weak borrower concentration controls can result in excessive dependence on individual counterparties, correlated default exposure, governance weaknesses, operational disruption, amplified loss severity, and deterioration in LAS portfolio resilience during periods of market stress.

The course distinguishes borrower concentration risk assessment from broader portfolio diversification strategies, emphasizing its role in exposure-level borrower concentration monitoring, structured breach identification, collateral governance, and corrective action escalation, whereas diversification strategies focus more broadly on balancing aggregate exposures across sectors, asset classes, borrower categories, and wider market risk concentrations. Each requires distinct evidence standards, ownership, and approval authority.

By the end of the course, participants will understand how to design, assess, and implement borrower concentration risk frameworks in practice, particularly within LTV, Margin, and Exposure Control functions. The course also emphasizes the role of the credit analyst in executing assessments, completing documentation, and flagging exceptions for manager review within Loan Against Shares (LAS) Credit files, ensuring disciplined collateral governance, sustainable exposure management, and alignment with credit committee priorities.

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Eduonix Learning Solutions

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Eduonix creates and distributes high quality technology training content. Our team of industry professionals have been training manpower for more than a decade. We aim to teach technology the way it is used in industry and professional world. We have professional team of trainers for technologies ranging from Mobility, Web to Enterprise and Database and Server Administration.

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