Sapphire Healthcare SA
CIF-00004 · U75003FR2014PLC100004 · Real Estate · Public Sector · France
RM: Emily Martinez
Credit Risk Manager: Mia Rodriguez
Exposure: $1.83M
CBRB: Normal
Internal: Normal
Risk Score:25 · Low
Total Exposure
$1.83M
Prev: $1.80M1.4%
Utilization
34.0%
Prev: 36.6%2.6pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
1
C 0
H 0
M 1
L 0
Exposure Trend Analysis · 24 Months
Funded · Non-Funded · Total
Utilization Trend · Reporting Bank vs Other Banks
Threshold 70%
Rating Migration Timeline
No rating changes in the last 24 months. Currently Normal.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 12/29/2025 | Rating Downgrade | High | Borrower rating migrated from Normal to Normal. | Resolved | Mia Rodriguez | 12/29/2025 |
| 12/28/2025 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Resolved | Michael Miller | 12/28/2025 |
| 2/25/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | In Review | Sarah Brown | — |
AI Risk Score
25
/ 100
Low Risk
Low
0-30
0-30
Med
31-60
31-60
High
61-80
61-80
Crit
81-100
81-100
Risk Driver Analysis
CBRB Rating Migration+15
Industry Concentration+15
Utilization Level+9
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 1.4% month-over-month, currently at $1.83M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 34.0%. Overall borrower risk is assessed as low.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Emily Martinez
emily.martinez@bank.com
+1 555 0044
Portfolio: $2.24B
Credit Risk Manager
Mia Rodriguez
mia.rodriguez@bank.com
+1 555 0132
Portfolio: $2.26B
Business Head
Ava Johnson
ava.johnson@bank.com
+1 555 0198
Portfolio: $1.94B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $1.15M | $678.2K | $1.83M | 34.0% | 4 | Normal |
| 2026-05 | $961.9K | $840.2K | $1.80M | 36.6% | 4 | Normal |
| 2026-04 | $1.25M | $605.9K | $1.86M | 36.0% | 4 | Normal |
| 2026-03 | $940.1K | $799.8K | $1.74M | 41.8% | 4 | Normal |
| 2026-02 | $1.12M | $684.9K | $1.80M | 42.3% | 4 | Normal |
| 2026-01 | $913.8K | $800.9K | $1.71M | 37.2% | 4 | Normal |
| 2025-12 | $1.11M | $664.0K | $1.77M | 31.4% | 4 | Normal |
| 2025-11 | $1.16M | $629.6K | $1.79M | 37.2% | 4 | Normal |
| 2025-10 | $965.1K | $804.4K | $1.77M | 42.0% | 4 | Normal |
| 2025-09 | $1.09M | $567.7K | $1.66M | 44.8% | 4 | Normal |
| 2025-08 | $919.3K | $683.4K | $1.60M | 42.8% | 4 | Normal |
| 2025-07 | $844.0K | $684.1K | $1.53M | 44.7% | 4 | Normal |