Riverbend Foods Co.
CIF-00059 · U75058SI2014PLC100059 · Retail Trade · Syndicated · Singapore
RM: Matthew Sanchez
Credit Risk Manager: Ryan Harris
Exposure: $11.20M
CBRB: Normal
Internal: OLEM
Risk Score:31 · Medium
Total Exposure
$11.20M
Prev: $10.93M2.5%
Utilization
56.8%
Prev: 58.9%2.1pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
OLEM
Prev: Normal
Open Alerts
1
C 0
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
No rating changes in the last 24 months. Currently Normal.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 1
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/3/2026 | Rating Upgrade | Low | Borrower rating improved to Normal. | Open | Michael Miller | — |
AI Risk Score
31
/ 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
Utilization Level+14
Internal Rating Drift+12
Industry Concentration+9
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 2.5% month-over-month, currently at $11.20M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 56.8%. 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
Matthew Sanchez
matthew.sanchez@bank.com
+1 555 0099
Portfolio: $2.20B
Credit Risk Manager
Ryan Harris
ryan.harris@bank.com
+1 555 0187
Portfolio: $1.96B
Business Head
Jacob Moore
jacob.moore@bank.com
+1 555 0253
Portfolio: $2.23B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $6.50M | $4.71M | $11.20M | 56.8% | 4 | Normal |
| 2026-05 | $6.92M | $4.02M | $10.93M | 58.9% | 4 | Normal |
| 2026-04 | $7.24M | $3.67M | $10.91M | 63.1% | 4 | Normal |
| 2026-03 | $7.23M | $3.64M | $10.87M | 62.8% | 4 | Normal |
| 2026-02 | $5.51M | $4.69M | $10.21M | 67.0% | 4 | Normal |
| 2026-01 | $6.78M | $3.53M | $10.32M | 64.4% | 4 | Normal |
| 2025-12 | $5.51M | $4.66M | $10.17M | 63.9% | 4 | Normal |
| 2025-11 | $6.39M | $4.21M | $10.61M | 66.7% | 4 | Normal |
| 2025-10 | $6.70M | $4.12M | $10.81M | 65.8% | 4 | Normal |
| 2025-09 | $6.68M | $3.97M | $10.65M | 68.7% | 4 | Normal |
| 2025-08 | $6.48M | $3.99M | $10.48M | 63.5% | 4 | Normal |
| 2025-07 | $5.66M | $5.00M | $10.66M | 69.0% | 4 | Normal |