Viability Review Mechanism is the evaluation of viability mechanism 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, renewal of a cash-credit limit should consider conduct, turnover, stock statements, financials, covenants and current exposure. 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.