Sapphire Hospitality SA
CIF-00044 · U75043BR2014PLC100044 · Financial Services · Commercial · Brazil
RM: Benjamin Jones
Credit Risk Manager: Sarah Brown
Exposure: $4.17M
CBRB: OLEM
Internal: OLEM
Risk Score:51 · Medium
Total Exposure
$4.17M
Prev: $4.04M3.2%
Utilization
50.8%
Prev: 45.6%5.2pp
Banking Relationships
1
Prev: 10.0
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
2025-03
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 1
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/8/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Open | Matthew Sanchez | — |
AI Risk Score
51
/ 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+12
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 3.2% month-over-month, currently at $4.17M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 50.8%. 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
Benjamin Jones
benjamin.jones@bank.com
+1 555 0209
Portfolio: $2.38B
Credit Risk Manager
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
Business Head
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $2.74M | $1.43M | $4.17M | 50.8% | 1 | OLEM |
| 2026-05 | $2.30M | $1.74M | $4.04M | 45.6% | 1 | OLEM |
| 2026-04 | $2.18M | $1.68M | $3.86M | 43.7% | 1 | OLEM |
| 2026-03 | $2.08M | $1.73M | $3.81M | 48.2% | 1 | OLEM |
| 2026-02 | $2.12M | $1.75M | $3.87M | 49.7% | 1 | OLEM |
| 2026-01 | $2.44M | $1.51M | $3.95M | 48.9% | 1 | OLEM |
| 2025-12 | $2.32M | $1.57M | $3.90M | 49.0% | 1 | OLEM |
| 2025-11 | $2.11M | $1.55M | $3.66M | 43.7% | 1 | OLEM |
| 2025-10 | $2.18M | $1.46M | $3.64M | 46.7% | 1 | OLEM |
| 2025-09 | $2.09M | $1.43M | $3.52M | 50.3% | 1 | OLEM |
| 2025-08 | $2.01M | $1.36M | $3.37M | 47.4% | 1 | OLEM |
| 2025-07 | $2.23M | $1.07M | $3.30M | 51.4% | 1 | OLEM |