Redrock Healthcare Co.
CIF-00005 · U75004UA2014PLC100005 · Transportation · Project Finance · UAE
RM: David Wilson
Credit Risk Manager: Christopher Lopez
Exposure: $7.87M
CBRB: Normal
Internal: Normal
Risk Score:48 · Medium
Total Exposure
$7.87M
Prev: $8.16M3.6%
Utilization
88.4%
Prev: 86.2%2.2pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
4
C 2
H 1
M 0
L 1
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 · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/4/2026 | Rating Upgrade | Low | Borrower rating improved to Normal. | In Review | Michael Miller | — |
| 3/21/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Open | Isabella Williams | — |
| 3/21/2026 | Rating Downgrade | Critical | Borrower rating migrated from Normal to Normal. | Open | Benjamin Jones | — |
| 12/19/2025 | Rating Downgrade | High | Borrower rating migrated from Normal to Normal. | Resolved | Ava Johnson | 12/19/2025 |
| 1/19/2026 | Rating Downgrade | Critical | Borrower rating migrated from Normal to Normal. | In Review | Sophia Thompson | — |
AI Risk Score
48
/ 100
Medium Risk
Low
0-30
0-30
Med
31-60
31-60
High
61-80
61-80
Crit
81-100
81-100
Risk Driver Analysis
Utilization Level+22
CBRB Rating Migration+15
Banking Relationship Growth+15
Industry Concentration+11
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 3.6% month-over-month, currently at $7.87M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 88.4% — above the 70% early warning threshold. Overall borrower risk is assessed as medium.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
David Wilson
david.wilson@bank.com
+1 555 0055
Portfolio: $2.35B
Credit Risk Manager
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
Business Head
Benjamin Jones
benjamin.jones@bank.com
+1 555 0209
Portfolio: $2.38B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $4.48M | $3.39M | $7.87M | 88.4% | 5 | Normal |
| 2026-05 | $4.51M | $3.66M | $8.16M | 86.2% | 5 | Normal |
| 2026-04 | $4.48M | $3.70M | $8.18M | 84.6% | 5 | Normal |
| 2026-03 | $4.77M | $3.64M | $8.41M | 78.8% | 5 | Normal |
| 2026-02 | $4.88M | $3.05M | $7.93M | 73.5% | 5 | Normal |
| 2026-01 | $4.49M | $3.57M | $8.06M | 77.4% | 5 | Normal |
| 2025-12 | $4.39M | $3.19M | $7.58M | 71.6% | 4 | Normal |
| 2025-11 | $4.91M | $2.55M | $7.45M | 66.6% | 4 | Normal |
| 2025-10 | $4.77M | $2.88M | $7.65M | 66.9% | 4 | Normal |
| 2025-09 | $3.93M | $3.46M | $7.38M | 66.8% | 4 | Normal |
| 2025-08 | $4.49M | $3.04M | $7.53M | 62.7% | 4 | Normal |
| 2025-07 | $3.97M | $3.28M | $7.25M | 59.4% | 4 | Normal |