This course introduces the concept of Ownership & Encumbrance Verification within the Commercial LAP (Loan Against Property) Credit framework. It focuses on validating the legal ownership of the property and identifying any existing encumbrances—such as mortgages, liens, or charges—that may impact enforceability or recovery.
Learners will explore key assessment dimensions such as identification of title gaps, validation of ownership records, and evaluation of legal enforceability, with an emphasis on independent validation and well-documented rationale. The course also distinguishes ownership and encumbrance verification from broader portfolio diversification strategies, highlighting its specific role in ensuring collateral clarity and enforceability at the individual exposure level.
By the end of the course, participants will understand how to perform ownership and encumbrance verification in practice, particularly within Property Title and Legal Due Diligence, including documentation standards, exception handling, and escalation protocols aligned with credit manager review and credit committee oversight.