This course covers Co-ownership & Inheritance Risk, which focuses on risks arising from shared land ownership or succession disputes, affecting control, enforceability, and recovery potential. Key assessment dimensions include obligations, recovery processes, validation of landholding structure, and ownership/tenancy, with each requiring independent validation and documented rationale before any credit action is finalized.
It is distinct from portfolio diversification strategy, as it addresses specific legal and operational risks at the borrower level, rather than broader portfolio allocation. Within Land & Ownership Due Diligence, the credit manager validates team-level analysis, approves case recommendations, and manages segment-level exposure, shaping escalation scope and credit committee priorities.