This course introduces the concept of Moratorium & Interest Servicing Risk within the Gold Loan Credit framework. It focuses on assessing the risks arising from moratorium periods or deferred payment structures, particularly their impact on interest accumulation, borrower repayment capacity, and overall exposure sustainability.
Learners will explore key assessment dimensions such as risk characteristics, borrower sustainability, loan-to-value adherence, and the management of credit against gold collateral, with an emphasis on independent validation and well-documented rationale. The course also distinguishes moratorium and interest servicing risk from broader portfolio diversification strategies, highlighting its specific role in evaluating exposure-level repayment structuring risks.
By the end of the course, participants will understand how to assess moratorium-related risks in practice, particularly within Product Structuring and Repayment Design, including documentation standards, exception handling, and escalation protocols aligned with credit committee oversight.