Pacific Resources SA
CIF-00025 · U75024BR2014PLC100025 · Real Estate · Large Corporate · Brazil
RM: Lucas White
Credit Risk Manager: Sophia Thompson
Exposure: $37.64M
CBRB: OLEM
Internal: Substandard
Risk Score:46 · Medium
Total Exposure
$37.64M
Prev: $36.32M3.7%
Utilization
36.3%
Prev: 34.5%1.8pp
Banking Relationships
6
Prev: 60.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
Substandard
Prev: OLEM
Open Alerts
3
C 0
H 0
M 3
L 0
Exposure Trend Analysis · 24 Months
Funded · Non-Funded · Total
Utilization Trend · Reporting Bank vs Other Banks
Threshold 70%
Rating Migration Timeline
2024-07
SubstandardStart
2026-03
OLEMUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 3/4/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | Isabella Williams | — |
| 3/9/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | Amelia Thomas | — |
| 2/16/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | In Review | Nathan Hernandez | — |
AI Risk Score
46
/ 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+14
Internal Rating Drift+12
Utilization Level+9
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 3.7% month-over-month, currently at $37.64M. Banking relationships moved from 6 to 6 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 36.3%. 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
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
Credit Risk Manager
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
Business Head
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $24.61M | $13.03M | $37.64M | 36.3% | 6 | OLEM |
| 2026-05 | $23.10M | $13.21M | $36.32M | 34.5% | 6 | OLEM |
| 2026-04 | $20.25M | $16.52M | $36.77M | 39.8% | 6 | OLEM |
| 2026-03 | $21.92M | $14.13M | $36.05M | 38.3% | 6 | OLEM |
| 2026-02 | $19.58M | $15.10M | $34.68M | 41.0% | 6 | Substandard |
| 2026-01 | $22.84M | $11.18M | $34.03M | 42.8% | 6 | Substandard |
| 2025-12 | $21.82M | $10.61M | $32.43M | 40.4% | 6 | Substandard |
| 2025-11 | $21.79M | $11.22M | $33.02M | 42.1% | 6 | Substandard |
| 2025-10 | $22.11M | $10.84M | $32.95M | 44.4% | 6 | Substandard |
| 2025-09 | $18.10M | $16.37M | $34.47M | 46.7% | 6 | Substandard |
| 2025-08 | $20.34M | $15.77M | $36.11M | 52.7% | 6 | Substandard |
| 2025-07 | $19.56M | $15.90M | $35.46M | 49.1% | 6 | Substandard |