Pacific Enterprises Group
CIF-00019 · U75018JA2014PLC100019 · Telecom · Project Finance · Japan
RM: Benjamin Jones
Credit Risk Manager: Sarah Brown
Exposure: $56.22M
CBRB: OLEM
Internal: OLEM
Risk Score:45 · Medium
Total Exposure
$56.22M
Prev: $54.95M2.3%
Utilization
16.0%
Prev: 15.8%0.2pp
Banking Relationships
8
Prev: 80.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
OLEM
Prev: Normal
Open Alerts
4
C 0
H 0
M 3
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 · 6
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 12/17/2025 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Dismissed | Jacob Moore | — |
| 5/18/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | Christopher Lopez | — |
| 5/28/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Resolved | Daniel Martin | 5/28/2026 |
| 1/21/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Open | Grace Lee | — |
| 5/19/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | Mia Rodriguez | — |
| 6/3/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Open | Emily Martinez | — |
AI Risk Score
45
/ 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
Banking Relationship Growth+15
Industry Concentration+9
Exposure Growth Trend+5
Internal Rating Drift+5
Utilization Level+4
AI Risk Commentary
AI
Customer exposure increased by 2.3% month-over-month, currently at $56.22M. Banking relationships moved from 8 to 8 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 16.0%. 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
Benjamin Jones
benjamin.jones@bank.com
+1 555 0209
Portfolio: $2.38B
Credit Risk Manager
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
Business Head
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $36.26M | $19.96M | $56.22M | 16.0% | 8 | OLEM |
| 2026-05 | $31.11M | $23.84M | $54.95M | 15.8% | 8 | OLEM |
| 2026-04 | $32.82M | $19.98M | $52.80M | 21.6% | 8 | OLEM |
| 2026-03 | $28.52M | $21.22M | $49.73M | 18.3% | 8 | OLEM |
| 2026-02 | $29.44M | $17.49M | $46.93M | 16.6% | 8 | OLEM |
| 2026-01 | $26.16M | $21.86M | $48.02M | 22.6% | 8 | OLEM |
| 2025-12 | $30.27M | $16.41M | $46.68M | 17.3% | 8 | OLEM |
| 2025-11 | $26.36M | $20.44M | $46.80M | 17.5% | 8 | OLEM |
| 2025-10 | $29.88M | $17.09M | $46.97M | 21.7% | 8 | OLEM |
| 2025-09 | $27.00M | $22.10M | $49.11M | 25.4% | 7 | OLEM |
| 2025-08 | $30.79M | $20.43M | $51.22M | 20.2% | 7 | OLEM |
| 2025-07 | $30.00M | $19.85M | $49.85M | 25.1% | 7 | OLEM |