This course explains Pest & Disease Vulnerability Assessment and how exposure to pest and disease risks is identified, assessed, and governed within Agri & Rural Commercial Credit. It covers the key dimensions of weather, pests, price movements, and sector risk, emphasizing the need for structured assessment, clear boundary definition, and independent validation before credit decisions are finalized. The course also distinguishes Pest & Disease Vulnerability Assessment from broader portfolio diversification strategies, and highlights its role within Monitoring & Early Warning, including limit setting, exception handling, and escalation to credit committees.