Alpha Maritime Co.
CIF-00022 · U75021FR2014PLC100022 · Energy & Utilities · Project Finance · France
RM: Ella Anderson
Credit Risk Manager: David Wilson
Exposure: $42.80M
CBRB: OLEM
Internal: Substandard
Risk Score:52 · Medium
Total Exposure
$42.80M
Prev: $40.98M4.4%
Utilization
58.3%
Prev: 52.3%6.0pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
Substandard
Prev: OLEM
Open Alerts
3
C 0
H 2
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
2025-11
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 3/27/2026 | Rating Downgrade | High | Borrower rating migrated from OLEM to OLEM. | Open | Sophia Thompson | — |
| 6/5/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Open | Ryan Harris | — |
| 5/12/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Mia Rodriguez | — |
| 1/5/2026 | Rating Upgrade | Low | Borrower rating improved to OLEM. | Dismissed | Lucas White | — |
| 12/30/2025 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Resolved | Isabella Williams | 12/30/2025 |
AI Risk Score
52
/ 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
Utilization Level+15
Industry Concentration+14
Internal Rating Drift+12
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 4.4% month-over-month, currently at $42.80M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 58.3%. 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
Ella Anderson
ella.anderson@bank.com
+1 555 0242
Portfolio: $1.99B
Credit Risk Manager
David Wilson
david.wilson@bank.com
+1 555 0055
Portfolio: $2.35B
Business Head
Andrew Garcia
andrew.garcia@bank.com
+1 555 0121
Portfolio: $2.16B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $28.63M | $14.17M | $42.80M | 58.3% | 3 | OLEM |
| 2026-05 | $27.00M | $13.99M | $40.98M | 52.3% | 3 | OLEM |
| 2026-04 | $24.39M | $16.75M | $41.15M | 54.8% | 3 | OLEM |
| 2026-03 | $26.77M | $15.83M | $42.60M | 51.8% | 3 | OLEM |
| 2026-02 | $27.39M | $16.36M | $43.74M | 50.5% | 2 | OLEM |
| 2026-01 | $24.20M | $21.77M | $45.97M | 46.6% | 2 | OLEM |
| 2025-12 | $24.28M | $18.84M | $43.12M | 45.4% | 2 | OLEM |
| 2025-11 | $25.02M | $15.38M | $40.40M | 47.7% | 2 | OLEM |
| 2025-10 | $22.56M | $15.53M | $38.09M | 42.9% | 2 | Normal |
| 2025-09 | $21.43M | $16.63M | $38.06M | 47.0% | 2 | Normal |
| 2025-08 | $20.65M | $15.77M | $36.42M | 50.4% | 2 | Normal |
| 2025-07 | $21.27M | $15.52M | $36.80M | 48.1% | 2 | Normal |