Southfield Group Ltd
CIF-00029 · U75028SI2014PLC100029 · Energy & Utilities · Syndicated · Singapore
RM: Emily Martinez
Credit Risk Manager: Mia Rodriguez
Exposure: $5.01M
CBRB: OLEM
Internal: Normal
Risk Score:40 · Medium
Total Exposure
$5.01M
Prev: $4.79M4.7%
Utilization
53.5%
Prev: 56.7%3.2pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
Normal
Prev: Normal
Open Alerts
4
C 1
H 1
M 1
L 1
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 OLEM.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 3/7/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | David Wilson | — |
| 4/21/2026 | Rating Downgrade | Critical | Borrower rating migrated from OLEM to OLEM. | Open | Amelia Thomas | — |
| 12/24/2025 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | James Smith | — |
| 1/20/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | In Review | Emily Martinez | — |
AI Risk Score
40
/ 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+13
Industry Concentration+10
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 4.7% month-over-month, currently at $5.01M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 53.5%. 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
Emily Martinez
emily.martinez@bank.com
+1 555 0044
Portfolio: $2.24B
Credit Risk Manager
Mia Rodriguez
mia.rodriguez@bank.com
+1 555 0132
Portfolio: $2.26B
Business Head
Ava Johnson
ava.johnson@bank.com
+1 555 0198
Portfolio: $1.94B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $2.96M | $2.06M | $5.01M | 53.5% | 1 | OLEM |
| 2026-05 | $2.93M | $1.86M | $4.79M | 56.7% | 1 | OLEM |
| 2026-04 | $2.57M | $2.26M | $4.83M | 55.0% | 1 | OLEM |
| 2026-03 | $3.06M | $1.49M | $4.55M | 59.9% | 1 | OLEM |
| 2026-02 | $2.66M | $1.88M | $4.54M | 55.1% | 1 | OLEM |
| 2026-01 | $2.44M | $1.96M | $4.41M | 54.6% | 1 | OLEM |
| 2025-12 | $2.55M | $2.02M | $4.57M | 50.4% | 1 | OLEM |
| 2025-11 | $2.90M | $1.43M | $4.32M | 47.0% | 1 | OLEM |
| 2025-10 | $2.58M | $1.68M | $4.26M | 48.3% | 1 | OLEM |
| 2025-09 | $2.42M | $1.71M | $4.14M | 50.9% | 1 | OLEM |
| 2025-08 | $2.21M | $1.84M | $4.05M | 51.8% | 1 | OLEM |
| 2025-07 | $2.13M | $1.71M | $3.84M | 57.5% | 1 | OLEM |