Pacific Foods Group
CIF-00053 · U75052UK2014PLC100053 · Construction · Micro Enterprise · UK
RM: Michael Miller
Credit Risk Manager: Andrew Garcia
Exposure: $2.20M
CBRB: OLEM
Internal: OLEM
Risk Score:42 · Medium
Total Exposure
$2.20M
Prev: $2.08M6.0%
Utilization
45.1%
Prev: 41.3%3.8pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
OLEM
Prev: Normal
Open Alerts
1
C 0
H 1
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
No rating changes in the last 24 months. Currently OLEM.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 1
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/18/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Benjamin Jones | — |
AI Risk Score
42
/ 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+11
Industry Concentration+9
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 6.0% month-over-month, currently at $2.20M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 45.1%. 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
Michael Miller
michael.miller@bank.com
+1 555 0033
Portfolio: $2.26B
Credit Risk Manager
Andrew Garcia
andrew.garcia@bank.com
+1 555 0121
Portfolio: $2.16B
Business Head
Ryan Harris
ryan.harris@bank.com
+1 555 0187
Portfolio: $1.96B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $1.23M | $975.5K | $2.20M | 45.1% | 3 | OLEM |
| 2026-05 | $1.15M | $923.8K | $2.08M | 41.3% | 3 | OLEM |
| 2026-04 | $1.32M | $731.7K | $2.05M | 38.8% | 3 | OLEM |
| 2026-03 | $1.12M | $894.8K | $2.01M | 44.3% | 4 | OLEM |
| 2026-02 | $1.12M | $909.7K | $2.03M | 38.5% | 4 | OLEM |
| 2026-01 | $1.28M | $768.2K | $2.04M | 41.9% | 4 | OLEM |
| 2025-12 | $1.22M | $802.3K | $2.03M | 39.3% | 4 | OLEM |
| 2025-11 | $1.32M | $640.8K | $1.96M | 43.9% | 4 | OLEM |
| 2025-10 | $1.29M | $744.9K | $2.03M | 47.3% | 5 | OLEM |
| 2025-09 | $1.16M | $830.9K | $1.99M | 41.9% | 5 | OLEM |
| 2025-08 | $1.17M | $851.2K | $2.02M | 36.3% | 5 | OLEM |
| 2025-07 | $1.21M | $681.3K | $1.90M | 30.5% | 5 | OLEM |