Citadel Technologies Co.
CIF-00047 · U75046UK2014PLC100047 · Retail Trade · SME · UK
RM: Ella Anderson
Credit Risk Manager: David Wilson
Exposure: $30.70M
CBRB: Doubtful
Internal: Substandard
Risk Score:81 · Critical
Total Exposure
$30.70M
Prev: $29.26M5.0%
Utilization
53.1%
Prev: 55.0%1.9pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Doubtful
Prev: Doubtful
Internal Rating
Substandard
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
OLEMStart
2025-11
SubstandardDowngrade
2026-01
DoubtfulDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/27/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Resolved | Ella Anderson | 4/27/2026 |
| 5/20/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Resolved | Andrew Garcia | 5/20/2026 |
| 12/20/2025 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | In Review | Ava Johnson | — |
AI Risk Score
81
/ 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+33
Industry Concentration+16
Utilization Level+13
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 5.0% month-over-month, currently at $30.70M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from Doubtful to Doubtful. Current utilization is 53.1%. 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
Ella Anderson
ella.anderson@bank.com
+1 555 0242
Portfolio: $1.99B
Credit Risk Manager
David Wilson
david.wilson@bank.com
+1 555 0055
Portfolio: $2.35B
Business Head
Andrew Garcia
andrew.garcia@bank.com
+1 555 0121
Portfolio: $2.16B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $16.83M | $13.87M | $30.70M | 53.1% | 2 | Doubtful |
| 2026-05 | $16.56M | $12.70M | $29.26M | 55.0% | 2 | Doubtful |
| 2026-04 | $18.72M | $9.68M | $28.40M | 50.5% | 2 | Doubtful |
| 2026-03 | $16.08M | $11.21M | $27.30M | 54.1% | 2 | Doubtful |
| 2026-02 | $14.76M | $12.59M | $27.34M | 53.7% | 2 | Doubtful |
| 2026-01 | $16.92M | $11.17M | $28.09M | 59.5% | 2 | Doubtful |
| 2025-12 | $19.12M | $9.41M | $28.53M | 64.0% | 2 | Substandard |
| 2025-11 | $19.57M | $9.53M | $29.10M | 64.2% | 2 | Substandard |
| 2025-10 | $18.51M | $9.84M | $28.35M | 65.3% | 2 | OLEM |
| 2025-09 | $16.87M | $10.81M | $27.68M | 66.8% | 2 | OLEM |
| 2025-08 | $17.94M | $10.45M | $28.38M | 65.5% | 2 | OLEM |
| 2025-07 | $16.24M | $11.64M | $27.88M | 66.8% | 2 | OLEM |