Atlas Mining Ltd
CIF-00045 · U75044FR2014PLC100045 · Telecom · Project Finance · France
RM: Harper Davis
Credit Risk Manager: Michael Miller
Exposure: $26.86M
CBRB: Loss
Internal: Doubtful
Risk Score:100 · Critical
Total Exposure
$26.86M
Prev: $26.13M2.8%
Utilization
67.1%
Prev: 66.5%0.6pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Loss
Prev: Loss
Internal Rating
Doubtful
Prev: Doubtful
Open Alerts
2
C 0
H 0
M 1
L 1
Exposure Trend Analysis · 24 Months
Funded · Non-Funded · Total
Utilization Trend · Reporting Bank vs Other Banks
Threshold 70%
Rating Migration Timeline
2024-07
DoubtfulStart
2025-10
LossDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 2/24/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | David Wilson | — |
| 2/11/2026 | Rating Upgrade | Low | Borrower rating improved to Loss. | Open | Jacob Moore | — |
| 5/4/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Resolved | Andrew Garcia | 5/4/2026 |
| 6/7/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Dismissed | Lucas White | — |
AI Risk Score
100
/ 100
Critical 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+39
Utilization Level+17
Industry Concentration+9
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 2.8% month-over-month, currently at $26.86M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from Loss to Loss. Current utilization is 67.1%. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Harper Davis
harper.davis@bank.com
+1 555 0220
Portfolio: $2.09B
Credit Risk Manager
Michael Miller
michael.miller@bank.com
+1 555 0033
Portfolio: $2.26B
Business Head
Matthew Sanchez
matthew.sanchez@bank.com
+1 555 0099
Portfolio: $2.20B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $15.37M | $11.50M | $26.86M | 67.1% | 2 | Loss |
| 2026-05 | $15.51M | $10.62M | $26.13M | 66.5% | 2 | Loss |
| 2026-04 | $13.29M | $11.16M | $24.44M | 67.4% | 2 | Loss |
| 2026-03 | $14.57M | $10.18M | $24.74M | 69.8% | 2 | Loss |
| 2026-02 | $13.05M | $11.45M | $24.51M | 71.7% | 2 | Loss |
| 2026-01 | $15.34M | $8.66M | $24.00M | 66.6% | 2 | Loss |
| 2025-12 | $15.02M | $7.74M | $22.75M | 69.0% | 2 | Loss |
| 2025-11 | $14.27M | $7.53M | $21.80M | 74.8% | 2 | Loss |
| 2025-10 | $14.10M | $8.79M | $22.89M | 69.4% | 2 | Loss |
| 2025-09 | $11.76M | $10.49M | $22.26M | 67.2% | 2 | Doubtful |
| 2025-08 | $14.24M | $6.99M | $21.23M | 61.8% | 2 | Doubtful |
| 2025-07 | $10.68M | $9.19M | $19.87M | 63.7% | 2 | Doubtful |