Westwood Energy Co.
CIF-00013 · U75012SI2014PLC100013 · Telecom · Mid Corporate · Singapore
RM: Christopher Lopez
Credit Risk Manager: Nathan Hernandez
Exposure: $26.78M
CBRB: OLEM
Internal: Normal
Risk Score:63 · High
Total Exposure
$26.78M
Prev: $26.89M0.4%
Utilization
83.5%
Prev: 85.4%1.9pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
Normal
Prev: Normal
Open Alerts
3
C 0
H 0
M 2
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 OLEM.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/15/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Open | Lucas White | — |
| 4/17/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | In Review | Sophia Thompson | — |
| 4/12/2026 | Rating Downgrade | Critical | Borrower rating migrated from OLEM to OLEM. | Dismissed | Grace Lee | — |
| 12/28/2025 | Rating Upgrade | Medium | Borrower rating improved to OLEM. | In Review | Ryan Harris | — |
AI Risk Score
63
/ 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+21
Utilization Level+21
Industry Concentration+8
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 0.4% month-over-month, currently at $26.78M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 83.5% — 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
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
Credit Risk Manager
Nathan Hernandez
nathan.hernandez@bank.com
+1 555 0231
Portfolio: $1.79B
Business Head
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $17.61M | $9.17M | $26.78M | 83.5% | 1 | OLEM |
| 2026-05 | $15.79M | $11.10M | $26.89M | 85.4% | 1 | OLEM |
| 2026-04 | $14.54M | $12.32M | $26.86M | 90.9% | 1 | OLEM |
| 2026-03 | $14.84M | $11.77M | $26.60M | 93.0% | 1 | OLEM |
| 2026-02 | $16.24M | $8.96M | $25.20M | 97.6% | 1 | OLEM |
| 2026-01 | $14.35M | $9.85M | $24.20M | 99.0% | 1 | OLEM |
| 2025-12 | $13.59M | $10.03M | $23.61M | 95.8% | 1 | OLEM |
| 2025-11 | $15.63M | $7.87M | $23.49M | 99.0% | 1 | OLEM |
| 2025-10 | $13.44M | $9.71M | $23.16M | 95.1% | 1 | OLEM |
| 2025-09 | $12.71M | $10.64M | $23.35M | 90.4% | 1 | OLEM |
| 2025-08 | $12.53M | $10.44M | $22.97M | 95.5% | 1 | OLEM |
| 2025-07 | $13.50M | $8.63M | $22.12M | 93.3% | 1 | OLEM |