Pre-Disbursement Risk Assessment is the evaluation of pre-disbursement risk as part of credit underwriting or portfolio monitoring. It helps the lender identify risk, repayment comfort, policy compliance, and required mitigants. Define the scoring basis, source data, frequency, and approval impact before using it. In risk and portfolio monitoring, it helps identify early warning signals, control gaps, borrower stress or conditions that need closer follow-up. The assessment should connect the signal to a clear action such as additional verification, tighter covenants, lower exposure, pricing change or enhanced monitoring. For example, disbursement may be held back until margin money, charge creation, insurance, valuation and key documents are completed. It matters because risk indicators are useful only when they trigger timely review, mitigation, documentation and follow-up action. The common caution is to avoid mechanical scoring; the reason, trend, source data and proposed mitigant should be recorded clearly.