Ironclad Logistics Co.
CIF-00016 · U75015GE2014PLC100016 · Mining · Project Finance · Germany
RM: Charlotte Perez
Credit Risk Manager: Grace Lee
Exposure: $30.25M
CBRB: OLEM
Internal: OLEM
Risk Score:53 · Medium
Total Exposure
$30.25M
Prev: $29.89M1.2%
Utilization
53.1%
Prev: 57.9%4.8pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
OLEM
Prev: Normal
Open Alerts
1
C 0
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
NormalStart
2025-09
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 5/2/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | In Review | Andrew Garcia | — |
| 5/4/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Resolved | David Wilson | 5/4/2026 |
AI Risk Score
53
/ 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
Industry Concentration+16
Utilization Level+13
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 1.2% month-over-month, currently at $30.25M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 53.1%. 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
Charlotte Perez
charlotte.perez@bank.com
+1 555 0176
Portfolio: $2.23B
Credit Risk Manager
Grace Lee
grace.lee@bank.com
+1 555 0264
Portfolio: $2.12B
Business Head
David Wilson
david.wilson@bank.com
+1 555 0055
Portfolio: $2.35B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $19.20M | $11.05M | $30.25M | 53.1% | 4 | OLEM |
| 2026-05 | $16.03M | $13.86M | $29.89M | 57.9% | 4 | OLEM |
| 2026-04 | $17.88M | $12.15M | $30.03M | 53.1% | 4 | OLEM |
| 2026-03 | $15.44M | $13.18M | $28.62M | 56.6% | 4 | OLEM |
| 2026-02 | $15.26M | $13.08M | $28.34M | 54.3% | 4 | OLEM |
| 2026-01 | $17.78M | $9.84M | $27.62M | 60.0% | 4 | OLEM |
| 2025-12 | $17.82M | $8.93M | $26.74M | 57.7% | 4 | OLEM |
| 2025-11 | $17.16M | $8.57M | $25.72M | 55.6% | 4 | OLEM |
| 2025-10 | $13.60M | $10.55M | $24.15M | 60.1% | 5 | OLEM |
| 2025-09 | $13.25M | $9.96M | $23.21M | 57.0% | 5 | OLEM |
| 2025-08 | $13.30M | $10.36M | $23.66M | 53.2% | 5 | Normal |
| 2025-07 | $13.55M | $9.48M | $23.03M | 48.7% | 5 | Normal |