Bridgewater Capital Group
CIF-00052 · U75051SI2014PLC100052 · Retail Trade · Financial Institution · Singapore
RM: Sarah Brown
Credit Risk Manager: Isabella Williams
Exposure: $57.08M
CBRB: Normal
Internal: Normal
Risk Score:34 · Medium
Total Exposure
$57.08M
Prev: $55.15M3.5%
Utilization
43.7%
Prev: 43.9%0.2pp
Banking Relationships
6
Prev: 60.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
2
C 1
H 0
M 0
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
NormalStart
2025-02
OLEMDowngrade
2025-09
NormalUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 5/1/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Lucas White | — |
| 4/11/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | In Review | Andrew Garcia | — |
| 6/5/2026 | Rating Upgrade | Medium | Borrower rating improved to Normal. | Resolved | Lucas White | 6/5/2026 |
| 5/17/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Dismissed | Amelia Thomas | — |
AI Risk Score
34
/ 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+15
Banking Relationship Growth+15
Utilization Level+11
Industry Concentration+10
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 3.5% month-over-month, currently at $57.08M. Banking relationships moved from 6 to 6 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 43.7%. 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
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
Credit Risk Manager
Isabella Williams
isabella.williams@bank.com
+1 555 0110
Portfolio: $2.11B
Business Head
Charlotte Perez
charlotte.perez@bank.com
+1 555 0176
Portfolio: $2.23B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $37.95M | $19.12M | $57.08M | 43.7% | 6 | Normal |
| 2026-05 | $36.09M | $19.06M | $55.15M | 43.9% | 6 | Normal |
| 2026-04 | $31.49M | $20.40M | $51.89M | 42.6% | 6 | Normal |
| 2026-03 | $27.49M | $23.08M | $50.57M | 41.0% | 6 | Normal |
| 2026-02 | $28.79M | $23.19M | $51.98M | 44.2% | 6 | Normal |
| 2026-01 | $29.80M | $23.47M | $53.27M | 41.0% | 6 | Normal |
| 2025-12 | $34.83M | $19.10M | $53.93M | 40.0% | 6 | Normal |
| 2025-11 | $32.17M | $18.55M | $50.72M | 39.1% | 6 | Normal |
| 2025-10 | $29.33M | $19.24M | $48.57M | 44.2% | 6 | Normal |
| 2025-09 | $28.16M | $21.88M | $50.04M | 47.9% | 6 | Normal |
| 2025-08 | $27.52M | $21.20M | $48.72M | 44.2% | 6 | OLEM |
| 2025-07 | $30.01M | $20.76M | $50.78M | 40.7% | 6 | OLEM |