Horizon Pharma Co.
CIF-00028 · U75027AU2014PLC100028 · Wholesale Trade · Mid Corporate · Australia
RM: Michael Miller
Credit Risk Manager: Andrew Garcia
Exposure: $12.33M
CBRB: Normal
Internal: OLEM
Risk Score:27 · Low
Total Exposure
$12.33M
Prev: $12.13M1.7%
Utilization
62.0%
Prev: 65.9%3.9pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
OLEM
Prev: OLEM
Open Alerts
1
C 0
H 1
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
No rating changes in the last 24 months. Currently Normal.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 1
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/9/2026 | Rating Downgrade | High | Borrower rating migrated from Normal to Normal. | Open | Ella Anderson | — |
AI Risk Score
27
/ 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
Utilization Level+16
Industry Concentration+16
CBRB Rating Migration+15
Internal Rating Drift+12
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 1.7% month-over-month, currently at $12.33M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 62.0%. 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
Michael Miller
michael.miller@bank.com
+1 555 0033
Portfolio: $2.26B
Credit Risk Manager
Andrew Garcia
andrew.garcia@bank.com
+1 555 0121
Portfolio: $2.16B
Business Head
Ryan Harris
ryan.harris@bank.com
+1 555 0187
Portfolio: $1.96B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $7.98M | $4.35M | $12.33M | 62.0% | 2 | Normal |
| 2026-05 | $8.08M | $4.04M | $12.13M | 65.9% | 2 | Normal |
| 2026-04 | $6.92M | $4.69M | $11.61M | 60.4% | 2 | Normal |
| 2026-03 | $6.56M | $5.15M | $11.71M | 54.6% | 2 | Normal |
| 2026-02 | $6.56M | $4.90M | $11.46M | 60.0% | 2 | Normal |
| 2026-01 | $7.91M | $3.85M | $11.76M | 57.9% | 2 | Normal |
| 2025-12 | $7.84M | $4.02M | $11.85M | 63.2% | 2 | Normal |
| 2025-11 | $7.67M | $4.07M | $11.74M | 64.1% | 1 | Normal |
| 2025-10 | $6.75M | $4.49M | $11.24M | 63.9% | 1 | Normal |
| 2025-09 | $7.83M | $3.77M | $11.60M | 59.5% | 1 | Normal |
| 2025-08 | $6.80M | $4.59M | $11.39M | 63.3% | 1 | Normal |
| 2025-07 | $6.86M | $4.97M | $11.82M | 59.8% | 1 | Normal |