This course introduces the concept of Income Source & Diversification Mapping within the Commercial LAP (Loan Against Property) Credit framework. It focuses on assessing and mapping all borrower income sources, along with evaluating the degree of diversification, to determine stability, sustainability, and vulnerability to income shocks.
Learners will explore key assessment dimensions such as identification of income gaps, analysis of business profile, ownership structures, and linkage to property valuation, with an emphasis on independent validation and well-documented rationale. The course also distinguishes income source and diversification mapping from broader portfolio diversification strategies, highlighting its specific role in evaluating borrower-level income resilience rather than portfolio-level risk distribution.
By the end of the course, participants will understand how to conduct income mapping in practice, particularly within Borrower and Business Profile Assessment, including documentation standards, exception handling, and escalation protocols aligned with credit manager review and credit committee oversight.