Atlantic Enterprises Co.
CIF-00049 · U75048CA2014PLC100049 · Telecom · Financial Institution · Canada
RM: Grace Lee
Credit Risk Manager: Daniel Martin
Exposure: $305.8K
CBRB: OLEM
Internal: Substandard
Risk Score:71 · High
Total Exposure
$305.8K
Prev: $291.9K4.8%
Utilization
93.4%
Prev: 89.2%4.2pp
Banking Relationships
6
Prev: 60.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
Substandard
Prev: OLEM
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
2025-05
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 0
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| No alerts match filters. | ||||||
AI Risk Score
71
/ 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+23
CBRB Rating Migration+21
Banking Relationship Growth+15
Industry Concentration+15
Internal Rating Drift+12
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 4.8% month-over-month, currently at $305.8K. Banking relationships moved from 6 to 6 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 93.4% — 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
Grace Lee
grace.lee@bank.com
+1 555 0264
Portfolio: $2.12B
Credit Risk Manager
Daniel Martin
daniel.martin@bank.com
+1 555 0077
Portfolio: $2.17B
Business Head
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $179.5K | $126.2K | $305.8K | 93.4% | 6 | OLEM |
| 2026-05 | $154.1K | $137.8K | $291.9K | 89.2% | 6 | OLEM |
| 2026-04 | $163.7K | $109.9K | $273.6K | 93.0% | 6 | OLEM |
| 2026-03 | $178.8K | $108.5K | $287.3K | 94.2% | 6 | OLEM |
| 2026-02 | $191.7K | $101.5K | $293.1K | 95.6% | 6 | OLEM |
| 2026-01 | $177.0K | $119.2K | $296.2K | 96.6% | 6 | OLEM |
| 2025-12 | $147.6K | $133.1K | $280.7K | 96.4% | 6 | OLEM |
| 2025-11 | $166.1K | $97.4K | $263.5K | 99.0% | 6 | OLEM |
| 2025-10 | $136.5K | $118.1K | $254.6K | 97.7% | 6 | OLEM |
| 2025-09 | $139.1K | $109.3K | $248.4K | 99.0% | 6 | OLEM |
| 2025-08 | $148.9K | $90.8K | $239.7K | 95.4% | 6 | OLEM |
| 2025-07 | $154.2K | $89.3K | $243.6K | 99.0% | 6 | OLEM |