This course covers Title Continuity Risk, which focuses on the risk of breaks, gaps, or inconsistencies in land title, potentially affecting enforceability, ownership clarity, and recoverability. Key assessment dimensions include validating landholding structure, ownership/tenancy, 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 addresses specific title-related risks at the borrower or asset level, 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 scope and credit committee priorities.