Atlas Mining Ltd
CIF-00027 · U75026FR2014PLC100027 · Mining · Public Sector · France
RM: Sarah Brown
Credit Risk Manager: Isabella Williams
Exposure: $26.56M
CBRB: OLEM
Internal: OLEM
Risk Score:62 · High
Total Exposure
$26.56M
Prev: $25.99M2.2%
Utilization
76.5%
Prev: 74.4%2.1pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
OLEM
Prev: OLEM
Open Alerts
0
C 0
H 0
M 0
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
NormalStart
2025-05
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 1
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 12/23/2025 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Dismissed | Nathan Hernandez | — |
AI Risk Score
62
/ 100
High 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+19
Banking Relationship Growth+15
Industry Concentration+11
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 2.2% month-over-month, currently at $26.56M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 76.5% — above the 70% early warning threshold. Overall borrower risk is assessed as high.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
Credit Risk Manager
Isabella Williams
isabella.williams@bank.com
+1 555 0110
Portfolio: $2.11B
Business Head
Charlotte Perez
charlotte.perez@bank.com
+1 555 0176
Portfolio: $2.23B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $16.82M | $9.74M | $26.56M | 76.5% | 5 | OLEM |
| 2026-05 | $14.37M | $11.63M | $25.99M | 74.4% | 5 | OLEM |
| 2026-04 | $16.54M | $9.63M | $26.17M | 72.4% | 5 | OLEM |
| 2026-03 | $16.46M | $9.83M | $26.29M | 68.6% | 4 | OLEM |
| 2026-02 | $17.19M | $8.57M | $25.75M | 66.2% | 4 | OLEM |
| 2026-01 | $14.69M | $9.62M | $24.30M | 71.6% | 4 | OLEM |
| 2025-12 | $15.78M | $9.07M | $24.85M | 69.8% | 4 | OLEM |
| 2025-11 | $15.86M | $8.13M | $23.99M | 73.2% | 4 | OLEM |
| 2025-10 | $15.71M | $7.71M | $23.42M | 68.1% | 4 | OLEM |
| 2025-09 | $12.95M | $9.08M | $22.02M | 65.6% | 4 | OLEM |
| 2025-08 | $13.18M | $7.58M | $20.76M | 71.2% | 4 | OLEM |
| 2025-07 | $11.48M | $8.05M | $19.53M | 71.9% | 4 | OLEM |