Citadel Technologies PLC
CIF-00057 · U75056AU2014PLC100057 · Real Estate · Project Finance · Australia
RM: Daniel Martin
Credit Risk Manager: Joseph Jackson
Exposure: $59.45M
CBRB: Doubtful
Internal: Loss
Risk Score:90 · Critical
Total Exposure
$59.45M
Prev: $56.16M5.9%
Utilization
45.8%
Prev: 43.9%1.9pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
Doubtful
Prev: Doubtful
Internal Rating
Loss
Prev: Loss
Open Alerts
4
C 1
H 2
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
No rating changes in the last 24 months. Currently Doubtful.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/3/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Charlotte Perez | — |
| 2/16/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Emily Martinez | — |
| 5/2/2026 | Rating Upgrade | Low | Borrower rating improved to Doubtful. | Open | Jacob Moore | — |
| 4/7/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | In Review | Harper Davis | — |
AI Risk Score
90
/ 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
Banking Relationship Growth+15
Industry Concentration+13
Internal Rating Drift+12
Utilization Level+11
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 5.9% month-over-month, currently at $59.45M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating remained stable from Doubtful to Doubtful. Current utilization is 45.8%. 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
Daniel Martin
daniel.martin@bank.com
+1 555 0077
Portfolio: $2.17B
Credit Risk Manager
Joseph Jackson
joseph.jackson@bank.com
+1 555 0165
Portfolio: $2.24B
Business Head
Nathan Hernandez
nathan.hernandez@bank.com
+1 555 0231
Portfolio: $1.79B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $35.37M | $24.08M | $59.45M | 45.8% | 5 | Doubtful |
| 2026-05 | $35.25M | $20.91M | $56.16M | 43.9% | 5 | Doubtful |
| 2026-04 | $35.41M | $20.10M | $55.51M | 49.5% | 5 | Doubtful |
| 2026-03 | $32.84M | $20.23M | $53.07M | 48.7% | 5 | Doubtful |
| 2026-02 | $31.14M | $23.13M | $54.27M | 45.6% | 5 | Doubtful |
| 2026-01 | $33.89M | $17.04M | $50.93M | 47.0% | 5 | Doubtful |
| 2025-12 | $30.57M | $18.10M | $48.67M | 52.8% | 5 | Doubtful |
| 2025-11 | $31.03M | $16.20M | $47.24M | 56.0% | 5 | Doubtful |
| 2025-10 | $29.66M | $17.72M | $47.38M | 50.7% | 5 | Doubtful |
| 2025-09 | $29.51M | $15.62M | $45.13M | 51.8% | 5 | Doubtful |
| 2025-08 | $25.69M | $18.81M | $44.50M | 55.0% | 5 | Doubtful |
| 2025-07 | $30.28M | $14.82M | $45.11M | 50.8% | 5 | Doubtful |