Lakeside Foods Inc
CIF-00063 · U75062GE2014PLC100063 · Energy & Utilities · Commercial · Germany
RM: Christopher Lopez
Credit Risk Manager: Nathan Hernandez
Exposure: $52.38M
CBRB: Normal
Internal: Normal
Risk Score:35 · Medium
Total Exposure
$52.38M
Prev: $53.02M1.2%
Utilization
56.1%
Prev: 55.5%0.6pp
Banking Relationships
6
Prev: 60.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
1
C 1
H 0
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
2024-07
SubstandardStart
2024-12
OLEMUpgrade
2026-03
NormalUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/1/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | James Smith | — |
| 2/28/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Resolved | Daniel Martin | 2/28/2026 |
| 1/21/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Dismissed | Amelia Thomas | — |
AI Risk Score
35
/ 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
Utilization Level+14
Industry Concentration+10
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 1.2% month-over-month, currently at $52.38M. Banking relationships moved from 6 to 6 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 56.1%. 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
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
Credit Risk Manager
Nathan Hernandez
nathan.hernandez@bank.com
+1 555 0231
Portfolio: $1.79B
Business Head
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $29.60M | $22.77M | $52.38M | 56.1% | 6 | Normal |
| 2026-05 | $34.52M | $18.51M | $53.02M | 55.5% | 6 | Normal |
| 2026-04 | $30.60M | $20.05M | $50.65M | 56.5% | 6 | Normal |
| 2026-03 | $33.19M | $16.80M | $49.99M | 62.5% | 6 | Normal |
| 2026-02 | $31.65M | $16.12M | $47.77M | 60.6% | 6 | OLEM |
| 2026-01 | $28.16M | $17.34M | $45.50M | 63.2% | 6 | OLEM |
| 2025-12 | $24.55M | $18.56M | $43.11M | 65.6% | 6 | OLEM |
| 2025-11 | $22.76M | $18.73M | $41.49M | 71.2% | 6 | OLEM |
| 2025-10 | $26.65M | $16.25M | $42.89M | 68.7% | 6 | OLEM |
| 2025-09 | $22.01M | $19.61M | $41.62M | 72.5% | 6 | OLEM |
| 2025-08 | $28.09M | $13.54M | $41.64M | 75.0% | 6 | OLEM |
| 2025-07 | $26.42M | $15.68M | $42.10M | 71.4% | 6 | OLEM |