Horizon Energy Inc
CIF-00017 · U75016GE2014PLC100017 · Information Technology · Public Sector · Germany
RM: Ryan Harris
Credit Risk Manager: Lucas White
Exposure: $21.37M
CBRB: Loss
Internal: Doubtful
Risk Score:97 · Critical
Total Exposure
$21.37M
Prev: $21.45M0.4%
Utilization
32.5%
Prev: 33.0%0.5pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Loss
Prev: Loss
Internal Rating
Doubtful
Prev: Substandard
Open Alerts
3
C 0
H 1
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
DoubtfulStart
2024-12
LossDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 2/25/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Open | Olivia Taylor | — |
| 4/8/2026 | Rating Upgrade | Low | Borrower rating improved to Loss. | In Review | Harper Davis | — |
| 1/31/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Resolved | Matthew Sanchez | 1/31/2026 |
| 2/14/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | In Review | Ryan Harris | — |
AI Risk Score
97
/ 100
Critical 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+39
Industry Concentration+15
Utilization Level+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 $21.37M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from Loss to Loss. Current utilization is 32.5%. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Ryan Harris
ryan.harris@bank.com
+1 555 0187
Portfolio: $1.96B
Credit Risk Manager
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
Business Head
Olivia Taylor
olivia.taylor@bank.com
+1 555 0066
Portfolio: $2.26B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $13.19M | $8.18M | $21.37M | 32.5% | 1 | Loss |
| 2026-05 | $13.19M | $8.26M | $21.45M | 33.0% | 1 | Loss |
| 2026-04 | $12.11M | $8.65M | $20.76M | 30.6% | 2 | Loss |
| 2026-03 | $11.40M | $8.42M | $19.82M | 35.1% | 2 | Loss |
| 2026-02 | $12.67M | $6.85M | $19.52M | 29.8% | 1 | Loss |
| 2026-01 | $12.64M | $6.20M | $18.84M | 35.6% | 1 | Loss |
| 2025-12 | $10.23M | $8.87M | $19.09M | 39.1% | 1 | Loss |
| 2025-11 | $12.43M | $7.57M | $20.00M | 41.6% | 1 | Loss |
| 2025-10 | $11.17M | $9.76M | $20.93M | 41.5% | 1 | Loss |
| 2025-09 | $13.36M | $7.49M | $20.85M | 44.2% | 1 | Loss |
| 2025-08 | $11.42M | $8.28M | $19.70M | 42.9% | 1 | Loss |
| 2025-07 | $12.38M | $6.41M | $18.79M | 39.6% | 1 | Loss |