This course covers Landholding Pattern Analysis, which involves analyzing land ownership structures to assess fragmentation, ownership clarity, and tenancy arrangements that impact credit risk and enforceability. It evaluates key dimensions such as encumbrance, enforceability risks, and validation of landholding structure including ownership and tenancy, with each requiring independent validation and documented rationale before any credit action is finalized.
It is distinct from portfolio diversification strategy, as it focuses on borrower-level land ownership and legal risk assessment, 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 decisions and credit committee priorities.