This course introduces the concept of Marketability & Liquidity Assessment within the Commercial LAP (Loan Against Property) Credit framework. It focuses on evaluating how easily a property can be sold in the market and the expected time and value realization under both normal and stressed conditions, directly influencing collateral adequacy and recovery outcomes.
Learners will explore key assessment dimensions such as identification of marketability gaps, robustness of property valuation, linkages with legal due diligence, and implications for long-tenure risk management, with an emphasis on independent validation and well-documented rationale. The course also distinguishes marketability and liquidity assessment from broader portfolio diversification strategies, highlighting its specific role in assessing asset-level exit feasibility rather than managing portfolio-level risk distribution.
By the end of the course, participants will understand how to evaluate marketability and liquidity in practice, particularly within Property Valuation and Collateral Adequacy. The course also emphasizes the role of the credit manager in validating team-level analysis, approving case recommendations, and managing segment-level exposure, including oversight of documentation standards, exception handling, and escalation protocols aligned with credit committee priorities.