Imperial Technologies SA
CIF-00007 · U75006CA2014PLC100007 · Transportation · Syndicated · Canada
RM: Daniel Martin
Credit Risk Manager: Joseph Jackson
Exposure: $39.60M
CBRB: Doubtful
Internal: Doubtful
Risk Score:93 · Critical
Total Exposure
$39.60M
Prev: $39.41M0.5%
Utilization
76.3%
Prev: 72.5%3.8pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Doubtful
Prev: Doubtful
Internal Rating
Doubtful
Prev: Doubtful
Open Alerts
2
C 1
H 0
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
2024-07
OLEMStart
2024-09
NormalUpgrade
2025-06
OLEMDowngrade
2025-07
SubstandardDowngrade
2025-08
DoubtfulDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/19/2026 | Rating Downgrade | Critical | Borrower rating migrated from Doubtful to Doubtful. | Open | Andrew Garcia | — |
| 5/29/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Open | James Smith | — |
| 12/28/2025 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Dismissed | Grace Lee | — |
AI Risk Score
93
/ 100
Critical 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+33
Utilization Level+19
Industry Concentration+13
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 0.5% month-over-month, currently at $39.60M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from Doubtful to Doubtful. Current utilization is 76.3% — above the 70% early warning threshold. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Daniel Martin
daniel.martin@bank.com
+1 555 0077
Portfolio: $2.17B
Credit Risk Manager
Joseph Jackson
joseph.jackson@bank.com
+1 555 0165
Portfolio: $2.24B
Business Head
Nathan Hernandez
nathan.hernandez@bank.com
+1 555 0231
Portfolio: $1.79B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $25.69M | $13.91M | $39.60M | 76.3% | 2 | Doubtful |
| 2026-05 | $21.74M | $17.67M | $39.41M | 72.5% | 2 | Doubtful |
| 2026-04 | $27.43M | $13.26M | $40.69M | 72.1% | 2 | Doubtful |
| 2026-03 | $26.01M | $13.84M | $39.85M | 71.9% | 2 | Doubtful |
| 2026-02 | $22.76M | $16.41M | $39.17M | 76.4% | 2 | Doubtful |
| 2026-01 | $22.69M | $14.53M | $37.21M | 76.9% | 2 | Doubtful |
| 2025-12 | $21.95M | $13.35M | $35.30M | 76.5% | 2 | Doubtful |
| 2025-11 | $21.96M | $12.23M | $34.19M | 82.1% | 2 | Doubtful |
| 2025-10 | $21.48M | $11.26M | $32.74M | 77.0% | 2 | Doubtful |
| 2025-09 | $19.25M | $14.50M | $33.75M | 77.4% | 2 | Doubtful |
| 2025-08 | $19.48M | $15.89M | $35.37M | 80.7% | 1 | Doubtful |
| 2025-07 | $21.86M | $11.70M | $33.56M | 85.9% | 1 | Substandard |