Goldcrest Construction SA
CIF-00036 · U75035JA2014PLC100036 · Wholesale Trade · SME · Japan
RM: Andrew Garcia
Credit Risk Manager: Benjamin Jones
Exposure: $11.43M
CBRB: Doubtful
Internal: Doubtful
Risk Score:68 · High
Total Exposure
$11.43M
Prev: $11.80M3.2%
Utilization
16.6%
Prev: 15.1%1.5pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Doubtful
Prev: Doubtful
Internal Rating
Doubtful
Prev: Doubtful
Open Alerts
2
C 1
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
2024-07
SubstandardStart
2024-12
DoubtfulDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 3/28/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | In Review | Christopher Lopez | — |
| 5/26/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Amelia Thomas | — |
AI Risk Score
68
/ 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+33
Industry Concentration+10
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
Utilization Level+4
AI Risk Commentary
AI
Customer exposure decreased by 3.2% month-over-month, currently at $11.43M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from Doubtful to Doubtful. Current utilization is 16.6%. 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
Andrew Garcia
andrew.garcia@bank.com
+1 555 0121
Portfolio: $2.16B
Credit Risk Manager
Benjamin Jones
benjamin.jones@bank.com
+1 555 0209
Portfolio: $2.38B
Business Head
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $7.63M | $3.80M | $11.43M | 16.6% | 1 | Doubtful |
| 2026-05 | $6.75M | $5.06M | $11.80M | 15.1% | 1 | Doubtful |
| 2026-04 | $7.44M | $3.61M | $11.05M | 20.0% | 1 | Doubtful |
| 2026-03 | $7.35M | $3.99M | $11.34M | 23.6% | 1 | Doubtful |
| 2026-02 | $6.27M | $4.35M | $10.63M | 19.1% | 1 | Doubtful |
| 2026-01 | $6.09M | $4.56M | $10.65M | 23.4% | 1 | Doubtful |
| 2025-12 | $6.57M | $4.15M | $10.72M | 23.5% | 1 | Doubtful |
| 2025-11 | $6.22M | $4.94M | $11.16M | 21.7% | 1 | Doubtful |
| 2025-10 | $6.23M | $5.35M | $11.58M | 24.9% | 1 | Doubtful |
| 2025-09 | $7.27M | $3.68M | $10.95M | 26.2% | 1 | Doubtful |
| 2025-08 | $6.42M | $4.12M | $10.54M | 31.5% | 1 | Doubtful |
| 2025-07 | $5.89M | $4.49M | $10.38M | 25.9% | 1 | Doubtful |