Riverbend Telecom Co.
CIF-00012 · U75011US2014PLC100012 · Financial Services · Financial Institution · USA
RM: Mia Rodriguez
Credit Risk Manager: Harper Davis
Exposure: $7.60M
CBRB: Substandard
Internal: OLEM
Risk Score:71 · High
Total Exposure
$7.60M
Prev: $7.84M3.0%
Utilization
74.5%
Prev: 70.3%4.2pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
OLEM
Prev: Normal
Open Alerts
3
C 1
H 0
M 1
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
2025-10
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 2/6/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | Matthew Sanchez | — |
| 3/21/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Open | Daniel Martin | — |
| 4/10/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Dismissed | James Smith | — |
| 5/22/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | David Wilson | — |
AI Risk Score
71
/ 100
High 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+27
Utilization Level+19
Industry Concentration+10
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 3.0% month-over-month, currently at $7.60M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 74.5% — above the 70% early warning threshold. Overall borrower risk is assessed as high.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Mia Rodriguez
mia.rodriguez@bank.com
+1 555 0132
Portfolio: $2.26B
Credit Risk Manager
Harper Davis
harper.davis@bank.com
+1 555 0220
Portfolio: $2.09B
Business Head
James Smith
james.smith@bank.com
+1 555 0011
Portfolio: $2.05B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $4.88M | $2.72M | $7.60M | 74.5% | 3 | Substandard |
| 2026-05 | $4.72M | $3.12M | $7.84M | 70.3% | 3 | Substandard |
| 2026-04 | $4.91M | $2.80M | $7.71M | 71.9% | 3 | Substandard |
| 2026-03 | $5.12M | $2.47M | $7.59M | 76.9% | 3 | Substandard |
| 2026-02 | $4.84M | $3.01M | $7.85M | 82.3% | 3 | Substandard |
| 2026-01 | $5.07M | $2.95M | $8.02M | 81.5% | 3 | Substandard |
| 2025-12 | $4.89M | $3.10M | $7.99M | 87.3% | 3 | Substandard |
| 2025-11 | $5.15M | $2.58M | $7.73M | 90.4% | 3 | Substandard |
| 2025-10 | $4.56M | $3.00M | $7.56M | 84.8% | 3 | Substandard |
| 2025-09 | $4.23M | $3.64M | $7.86M | 89.2% | 3 | OLEM |
| 2025-08 | $3.93M | $3.46M | $7.39M | 88.9% | 3 | OLEM |
| 2025-07 | $4.25M | $2.82M | $7.07M | 85.0% | 4 | OLEM |