Citadel Holdings Ltd
CIF-00010 · U75009UK2014PLC100010 · Healthcare · SME · UK
RM: Isabella Williams
Credit Risk Manager: Ava Johnson
Exposure: $33.49M
CBRB: OLEM
Internal: OLEM
Risk Score:45 · Medium
Total Exposure
$33.49M
Prev: $34.64M3.3%
Utilization
27.8%
Prev: 30.8%3.0pp
Banking Relationships
7
Prev: 61.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
OLEM
Prev: OLEM
Open Alerts
0
C 0
H 0
M 0
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 OLEM.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 1
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 5/20/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Dismissed | Jacob Moore | — |
AI Risk Score
45
/ 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
CBRB Rating Migration+21
Banking Relationship Growth+15
Industry Concentration+15
Utilization Level+7
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 3.3% month-over-month, currently at $33.49M. Banking relationships moved from 6 to 7 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 27.8%. Overall borrower risk is assessed as medium.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Isabella Williams
isabella.williams@bank.com
+1 555 0110
Portfolio: $2.11B
Credit Risk Manager
Ava Johnson
ava.johnson@bank.com
+1 555 0198
Portfolio: $1.94B
Business Head
Grace Lee
grace.lee@bank.com
+1 555 0264
Portfolio: $2.12B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $17.68M | $15.81M | $33.49M | 27.8% | 7 | OLEM |
| 2026-05 | $20.55M | $14.09M | $34.64M | 30.8% | 6 | OLEM |
| 2026-04 | $22.33M | $13.73M | $36.06M | 34.3% | 6 | OLEM |
| 2026-03 | $21.70M | $12.06M | $33.76M | 39.0% | 6 | OLEM |
| 2026-02 | $21.47M | $11.11M | $32.58M | 41.8% | 6 | OLEM |
| 2026-01 | $21.63M | $11.05M | $32.68M | 39.3% | 6 | OLEM |
| 2025-12 | $20.52M | $12.74M | $33.26M | 42.7% | 6 | OLEM |
| 2025-11 | $22.71M | $11.47M | $34.18M | 43.6% | 6 | OLEM |
| 2025-10 | $21.29M | $13.70M | $35.00M | 45.2% | 6 | OLEM |
| 2025-09 | $22.02M | $13.82M | $35.84M | 46.1% | 6 | OLEM |
| 2025-08 | $20.88M | $14.36M | $35.24M | 42.8% | 6 | OLEM |
| 2025-07 | $20.21M | $15.27M | $35.48M | 44.1% | 6 | OLEM |