Learning Objectives
By the end of this module, you will be able to:
Understand the Purpose and Role of Security Instruments
Recognise how security provides a second way out for the lender.
Understand the role security in reducing risk, enabling enforcement, and supporting recovery planning
Evaluate and Differentiate Key Security Instruments
Identify when and how to use GSAs, registered mortgages, guarantees, caveats, and inter-creditor agreement.
Assess enforceability, priority ranking, and collateral adequacy across different security types
Implement and Monitor Security Arrangements
Structure security packages based on client’s risk profile and the loan purpose.
Conduct ongoing security reviews, ensuring accurate registration and legal compliance
Apply Enforcement and Recovery Strategies
Use asset liquidation, equity injections, or full business sales as recovery tools.
Practise applying enforcement actions to minimise loss in defaults occur
Integrate Security Instruments with Credit Policies and Risk Frameworks
Ensure security structures align with the lender’s credit policies, risk appetite, and regulatory obligations.
Apply best practices in security documentation, PPSR registration, and coordination with other creditors
