This course covers Tenancy vs Ownership Risk, which focuses on understanding the risk differences arising from tenancy arrangements versus owned land, particularly in terms of control, stability, and enforceability. It evaluates key dimensions such as validation of landholding structure, ownership versus tenancy status, title continuity, and sector risk, with each requiring independent validation and documented rationale before any credit action is finalized.
It is distinct from portfolio diversification strategy, as it specifically addresses borrower-level legal and operational risks linked to land tenure, 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.