Royal Industries LLC
CIF-00042 · U75041SI2014PLC100042 · Information Technology · Syndicated · Singapore
RM: Ryan Harris
Credit Risk Manager: Lucas White
Exposure: $16.73M
CBRB: OLEM
Internal: OLEM
Risk Score:57 · Medium
Total Exposure
$16.73M
Prev: $16.14M3.6%
Utilization
65.7%
Prev: 71.0%5.3pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
OLEM
Prev: OLEM
Open Alerts
1
C 0
H 0
M 1
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
2024-10
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 1
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 5/15/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | James Smith | — |
AI Risk Score
57
/ 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+16
Banking Relationship Growth+15
Industry Concentration+14
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 3.6% month-over-month, currently at $16.73M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 65.7%. 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
Ryan Harris
ryan.harris@bank.com
+1 555 0187
Portfolio: $1.96B
Credit Risk Manager
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
Business Head
Olivia Taylor
olivia.taylor@bank.com
+1 555 0066
Portfolio: $2.26B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $9.50M | $7.23M | $16.73M | 65.7% | 5 | OLEM |
| 2026-05 | $10.69M | $5.45M | $16.14M | 71.0% | 5 | OLEM |
| 2026-04 | $10.17M | $6.05M | $16.22M | 69.4% | 5 | OLEM |
| 2026-03 | $10.45M | $5.21M | $15.65M | 69.4% | 5 | OLEM |
| 2026-02 | $8.51M | $6.18M | $14.69M | 74.9% | 5 | OLEM |
| 2026-01 | $8.57M | $6.69M | $15.26M | 69.7% | 5 | OLEM |
| 2025-12 | $7.54M | $6.75M | $14.29M | 73.0% | 5 | OLEM |
| 2025-11 | $7.53M | $6.11M | $13.64M | 71.3% | 5 | OLEM |
| 2025-10 | $7.65M | $6.01M | $13.66M | 68.3% | 5 | OLEM |
| 2025-09 | $7.70M | $5.14M | $12.84M | 73.9% | 5 | OLEM |
| 2025-08 | $8.92M | $4.54M | $13.46M | 79.4% | 5 | OLEM |
| 2025-07 | $8.60M | $4.66M | $13.26M | 75.5% | 5 | OLEM |