Northstar Construction LLC
CIF-00014 · U75013GE2014PLC100014 · Information Technology · Commercial · Germany
RM: Amelia Thomas
Credit Risk Manager: Ella Anderson
Exposure: $19.28M
CBRB: Substandard
Internal: OLEM
Risk Score:66 · High
Total Exposure
$19.28M
Prev: $18.07M6.7%
Utilization
44.9%
Prev: 49.9%5.0pp
Banking Relationships
4
Prev: 31.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
OLEM
Prev: Normal
Open Alerts
4
C 1
H 0
M 1
L 2
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 Substandard.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/5/2026 | Rating Downgrade | Critical | Borrower rating migrated from Substandard to Substandard. | Open | Ryan Harris | — |
| 5/19/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Open | James Smith | — |
| 2/27/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Dismissed | James Smith | — |
| 12/19/2025 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | Emily Martinez | — |
| 4/29/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Open | Harper Davis | — |
AI Risk Score
66
/ 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+11
Industry Concentration+11
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 6.7% month-over-month, currently at $19.28M. Banking relationships moved from 3 to 4 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 44.9%. Overall borrower risk is assessed as high.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
Credit Risk Manager
Ella Anderson
ella.anderson@bank.com
+1 555 0242
Portfolio: $1.99B
Business Head
Michael Miller
michael.miller@bank.com
+1 555 0033
Portfolio: $2.26B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $12.10M | $7.18M | $19.28M | 44.9% | 4 | Substandard |
| 2026-05 | $9.86M | $8.21M | $18.07M | 49.9% | 3 | Substandard |
| 2026-04 | $11.46M | $7.04M | $18.50M | 52.3% | 3 | Substandard |
| 2026-03 | $11.39M | $7.32M | $18.71M | 49.4% | 3 | Substandard |
| 2026-02 | $11.91M | $6.11M | $18.02M | 49.3% | 3 | Substandard |
| 2026-01 | $11.10M | $6.79M | $17.89M | 52.8% | 3 | Substandard |
| 2025-12 | $11.86M | $5.86M | $17.73M | 47.2% | 2 | Substandard |
| 2025-11 | $9.64M | $8.37M | $18.01M | 46.3% | 2 | Substandard |
| 2025-10 | $11.03M | $6.38M | $17.40M | 48.9% | 2 | Substandard |
| 2025-09 | $10.37M | $7.01M | $17.38M | 50.9% | 1 | Substandard |
| 2025-08 | $8.84M | $7.88M | $16.72M | 46.7% | 1 | Substandard |
| 2025-07 | $9.59M | $6.22M | $15.82M | 50.2% | 1 | Substandard |