Ironclad Properties PLC
CIF-00020 · U75019UA2014PLC100020 · Healthcare · Public Sector · UAE
RM: Harper Davis
Credit Risk Manager: Michael Miller
Exposure: $15.89M
CBRB: Normal
Internal: Normal
Risk Score:23 · Low
Total Exposure
$15.89M
Prev: $14.90M6.6%
Utilization
24.6%
Prev: 24.6%0.0pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
5
C 0
H 1
M 2
L 2
Exposure Trend Analysis · 24 Months
Funded · Non-Funded · Total
Utilization Trend · Reporting Bank vs Other Banks
Threshold 70%
Rating Migration Timeline
2024-07
DoubtfulStart
2025-06
SubstandardUpgrade
2025-08
OLEMUpgrade
2025-10
NormalUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 12/14/2025 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Open | Jacob Moore | — |
| 12/24/2025 | Rating Downgrade | High | Borrower rating migrated from Normal to Normal. | In Review | Benjamin Jones | — |
| 5/5/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | Benjamin Jones | — |
| 3/2/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Open | Emily Martinez | — |
| 12/30/2025 | Rating Upgrade | Low | Borrower rating improved to Normal. | In Review | David Wilson | — |
AI Risk Score
23
/ 100
Low 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+15
Industry Concentration+10
Utilization Level+6
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 6.6% month-over-month, currently at $15.89M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 24.6%. Overall borrower risk is assessed as low.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Harper Davis
harper.davis@bank.com
+1 555 0220
Portfolio: $2.09B
Credit Risk Manager
Michael Miller
michael.miller@bank.com
+1 555 0033
Portfolio: $2.26B
Business Head
Matthew Sanchez
matthew.sanchez@bank.com
+1 555 0099
Portfolio: $2.20B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $8.80M | $7.08M | $15.89M | 24.6% | 1 | Normal |
| 2026-05 | $8.09M | $6.81M | $14.90M | 24.6% | 1 | Normal |
| 2026-04 | $9.22M | $5.08M | $14.30M | 26.5% | 1 | Normal |
| 2026-03 | $8.55M | $5.02M | $13.57M | 29.0% | 1 | Normal |
| 2026-02 | $8.88M | $5.36M | $14.24M | 30.9% | 2 | Normal |
| 2026-01 | $7.88M | $5.63M | $13.50M | 35.0% | 2 | Normal |
| 2025-12 | $7.68M | $5.47M | $13.15M | 38.3% | 2 | Normal |
| 2025-11 | $7.18M | $6.03M | $13.21M | 34.0% | 2 | Normal |
| 2025-10 | $8.56M | $5.17M | $13.74M | 37.8% | 2 | Normal |
| 2025-09 | $8.99M | $5.21M | $14.20M | 40.4% | 2 | OLEM |
| 2025-08 | $7.76M | $5.92M | $13.69M | 42.9% | 2 | OLEM |
| 2025-07 | $7.61M | $6.42M | $14.03M | 44.4% | 2 | Substandard |