Construction projects generally are vulnerable to variety of risks that comprises of both internal and external factors. These risks need to be understood and allocated rightly between the parties given that manifestation of such risks will inevitably give rise to costs, more time to complete which could probably affect the business case itself. The construction industry is quite complex with lenders not necessarily in possession of the resources or expertise within their institutions to monitor all technical issues and performance requirements and/or develop an informed view of associated cost issues. The professional practice of Lending Engineer services / Project Monitoring services is therefore required to minimize lenders’ risk exposure in the administration of its loan for a given construction project. Z plus PMS expertise comes from protecting lender’s interest by providing an independent verified, reliable and objective examination of the key risk parameters and status updates on the project throughout the development process