Meridian Pharma PLC
CIF-00062 · U75061US2014PLC100062 · Construction · SME · USA
RM: Mia Rodriguez
Credit Risk Manager: Harper Davis
Exposure: $6.85M
CBRB: Normal
Internal: Normal
Risk Score:34 · Medium
Total Exposure
$6.85M
Prev: $6.96M1.5%
Utilization
26.1%
Prev: 31.3%5.2pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
Normal
Prev: OLEM
Internal Rating
Normal
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
2024-07
OLEMStart
2026-05
NormalUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 3/30/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Open | David Wilson | — |
| 3/15/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Dismissed | Joseph Jackson | — |
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
Industry Concentration+10
Utilization Level+7
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 1.5% month-over-month, currently at $6.85M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating improved from OLEM to Normal. Current utilization is 26.1%. 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
Mia Rodriguez
mia.rodriguez@bank.com
+1 555 0132
Portfolio: $2.26B
Credit Risk Manager
Harper Davis
harper.davis@bank.com
+1 555 0220
Portfolio: $2.09B
Business Head
James Smith
james.smith@bank.com
+1 555 0011
Portfolio: $2.05B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $3.91M | $2.95M | $6.85M | 26.1% | 5 | Normal |
| 2026-05 | $3.91M | $3.05M | $6.96M | 31.3% | 5 | Normal |
| 2026-04 | $4.24M | $2.72M | $6.96M | 35.3% | 5 | OLEM |
| 2026-03 | $4.45M | $2.20M | $6.65M | 40.3% | 5 | OLEM |
| 2026-02 | $3.63M | $2.93M | $6.56M | 41.0% | 5 | OLEM |
| 2026-01 | $4.19M | $2.21M | $6.40M | 35.6% | 5 | OLEM |
| 2025-12 | $3.65M | $2.59M | $6.24M | 41.5% | 5 | OLEM |
| 2025-11 | $3.34M | $2.82M | $6.16M | 40.2% | 5 | OLEM |
| 2025-10 | $3.81M | $2.18M | $6.00M | 39.8% | 5 | OLEM |
| 2025-09 | $3.91M | $2.33M | $6.25M | 43.0% | 5 | OLEM |
| 2025-08 | $3.28M | $2.65M | $5.93M | 39.9% | 5 | OLEM |
| 2025-07 | $3.46M | $2.58M | $6.04M | 39.5% | 5 | OLEM |