Granite Corporation Group
CIF-00032 · U75031AU2014PLC100032 · Agriculture · Large Corporate · Australia
RM: Daniel Martin
Credit Risk Manager: Joseph Jackson
Exposure: $35.79M
CBRB: Substandard
Internal: Doubtful
Risk Score:70 · High
Total Exposure
$35.79M
Prev: $33.93M5.5%
Utilization
63.8%
Prev: 59.2%4.6pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
Doubtful
Prev: Doubtful
Open Alerts
3
C 0
H 1
M 0
L 2
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 Substandard.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 6
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/5/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Dismissed | Nathan Hernandez | — |
| 3/14/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Dismissed | Harper Davis | — |
| 1/26/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Resolved | Ava Johnson | 1/26/2026 |
| 12/20/2025 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | In Review | Sarah Brown | — |
| 4/10/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | In Review | Amelia Thomas | — |
| 2/6/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Open | Matthew Sanchez | — |
AI Risk Score
70
/ 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+27
Utilization Level+16
Internal Rating Drift+12
Industry Concentration+9
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 5.5% month-over-month, currently at $35.79M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 63.8%. Overall borrower risk is assessed as high.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Daniel Martin
daniel.martin@bank.com
+1 555 0077
Portfolio: $2.17B
Credit Risk Manager
Joseph Jackson
joseph.jackson@bank.com
+1 555 0165
Portfolio: $2.24B
Business Head
Nathan Hernandez
nathan.hernandez@bank.com
+1 555 0231
Portfolio: $1.79B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $21.60M | $14.19M | $35.79M | 63.8% | 2 | Substandard |
| 2026-05 | $19.38M | $14.55M | $33.93M | 59.2% | 2 | Substandard |
| 2026-04 | $22.92M | $12.18M | $35.11M | 62.8% | 2 | Substandard |
| 2026-03 | $19.43M | $14.93M | $34.36M | 61.5% | 2 | Substandard |
| 2026-02 | $20.81M | $15.35M | $36.16M | 61.4% | 2 | Substandard |
| 2026-01 | $21.54M | $12.54M | $34.07M | 65.9% | 2 | Substandard |
| 2025-12 | $19.05M | $15.20M | $34.26M | 64.7% | 2 | Substandard |
| 2025-11 | $19.70M | $13.49M | $33.18M | 62.6% | 2 | Substandard |
| 2025-10 | $19.35M | $12.91M | $32.26M | 57.6% | 2 | Substandard |
| 2025-09 | $17.37M | $13.40M | $30.76M | 59.1% | 2 | Substandard |
| 2025-08 | $19.97M | $10.76M | $30.72M | 56.7% | 2 | Substandard |
| 2025-07 | $17.00M | $14.76M | $31.76M | 52.1% | 2 | Substandard |