Horizon Partners Inc
CIF-00058 · U75057SI2014PLC100058 · Agriculture · Public Sector · Singapore
RM: Sophia Thompson
Credit Risk Manager: Charlotte Perez
Exposure: $23.41M
CBRB: OLEM
Internal: Substandard
Risk Score:39 · Medium
Total Exposure
$23.41M
Prev: $24.46M4.3%
Utilization
27.9%
Prev: 30.3%2.4pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
OLEM
Prev: OLEM
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
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 |
|---|---|---|---|---|---|---|
| 3/11/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | Jacob Moore | — |
AI Risk Score
39
/ 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
Industry Concentration+12
Internal Rating Drift+12
Utilization Level+7
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure decreased by 4.3% month-over-month, currently at $23.41M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 27.9%. 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
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
Credit Risk Manager
Charlotte Perez
charlotte.perez@bank.com
+1 555 0176
Portfolio: $2.23B
Business Head
Ella Anderson
ella.anderson@bank.com
+1 555 0242
Portfolio: $1.99B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $13.20M | $10.21M | $23.41M | 27.9% | 2 | OLEM |
| 2026-05 | $16.05M | $8.41M | $24.46M | 30.3% | 2 | OLEM |
| 2026-04 | $13.84M | $10.33M | $24.17M | 26.8% | 2 | OLEM |
| 2026-03 | $16.29M | $8.15M | $24.44M | 23.5% | 2 | OLEM |
| 2026-02 | $14.90M | $8.37M | $23.27M | 20.8% | 2 | OLEM |
| 2026-01 | $13.24M | $9.09M | $22.33M | 19.1% | 2 | OLEM |
| 2025-12 | $12.13M | $10.97M | $23.10M | 24.3% | 3 | OLEM |
| 2025-11 | $14.91M | $7.62M | $22.53M | 26.9% | 3 | OLEM |
| 2025-10 | $13.30M | $10.32M | $23.62M | 26.3% | 4 | OLEM |
| 2025-09 | $12.63M | $10.00M | $22.64M | 27.4% | 4 | OLEM |
| 2025-08 | $11.76M | $10.57M | $22.33M | 23.5% | 4 | OLEM |
| 2025-07 | $13.01M | $10.14M | $23.15M | 24.3% | 4 | OLEM |