Pacific Capital Group
CIF-00037 · U75036US2014PLC100037 · Mining · Large Corporate · USA
RM: Mia Rodriguez
Credit Risk Manager: Harper Davis
Exposure: $16.81M
CBRB: OLEM
Internal: Substandard
Risk Score:67 · High
Total Exposure
$16.81M
Prev: $17.16M2.1%
Utilization
88.2%
Prev: 90.0%1.8pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
Substandard
Prev: Substandard
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
2026-02
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 5/1/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Dismissed | Charlotte Perez | — |
| 12/15/2025 | Rating Downgrade | High | Borrower rating migrated from OLEM to OLEM. | Resolved | Jacob Moore | 12/15/2025 |
AI Risk Score
67
/ 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
Utilization Level+22
CBRB Rating Migration+21
Banking Relationship Growth+15
Industry Concentration+13
Internal Rating Drift+12
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure decreased by 2.1% month-over-month, currently at $16.81M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 88.2% — 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
Mia Rodriguez
mia.rodriguez@bank.com
+1 555 0132
Portfolio: $2.26B
Credit Risk Manager
Harper Davis
harper.davis@bank.com
+1 555 0220
Portfolio: $2.09B
Business Head
James Smith
james.smith@bank.com
+1 555 0011
Portfolio: $2.05B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $9.64M | $7.16M | $16.81M | 88.2% | 5 | OLEM |
| 2026-05 | $9.63M | $7.54M | $17.16M | 90.0% | 5 | OLEM |
| 2026-04 | $10.75M | $7.14M | $17.89M | 95.8% | 5 | OLEM |
| 2026-03 | $11.00M | $5.77M | $16.76M | 96.4% | 5 | OLEM |
| 2026-02 | $10.34M | $5.58M | $15.92M | 95.4% | 5 | OLEM |
| 2026-01 | $9.82M | $6.13M | $15.96M | 89.6% | 5 | Normal |
| 2025-12 | $10.51M | $6.28M | $16.79M | 87.4% | 5 | Normal |
| 2025-11 | $11.68M | $5.74M | $17.42M | 91.2% | 5 | Normal |
| 2025-10 | $10.62M | $6.58M | $17.19M | 91.0% | 5 | Normal |
| 2025-09 | $9.56M | $6.81M | $16.38M | 89.3% | 5 | Normal |
| 2025-08 | $10.55M | $6.37M | $16.92M | 86.0% | 5 | Normal |
| 2025-07 | $8.89M | $7.75M | $16.64M | 82.6% | 5 | Normal |