Eastpoint Group Co.
CIF-00064 · U75063FR2014PLC100064 · Retail Trade · Commercial · France
RM: Amelia Thomas
Credit Risk Manager: Ella Anderson
Exposure: $40.44M
CBRB: OLEM
Internal: Normal
Risk Score:58 · Medium
Total Exposure
$40.44M
Prev: $41.28M2.0%
Utilization
86.0%
Prev: 91.7%5.7pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
Normal
Prev: Normal
Open Alerts
1
C 0
H 1
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
OLEMStart
2025-05
SubstandardDowngrade
2025-07
OLEMUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 1
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/20/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | In Review | Ella Anderson | — |
AI Risk Score
58
/ 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
Utilization Level+22
CBRB Rating Migration+21
Industry Concentration+12
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 2.0% month-over-month, currently at $40.44M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 86.0% — above the 70% early warning threshold. Overall borrower risk is assessed as medium.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
Credit Risk Manager
Ella Anderson
ella.anderson@bank.com
+1 555 0242
Portfolio: $1.99B
Business Head
Michael Miller
michael.miller@bank.com
+1 555 0033
Portfolio: $2.26B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $24.29M | $16.15M | $40.44M | 86.0% | 1 | OLEM |
| 2026-05 | $22.21M | $19.07M | $41.28M | 91.7% | 1 | OLEM |
| 2026-04 | $23.45M | $15.21M | $38.66M | 96.7% | 1 | OLEM |
| 2026-03 | $21.82M | $15.93M | $37.75M | 99.0% | 1 | OLEM |
| 2026-02 | $20.75M | $14.67M | $35.42M | 98.3% | 1 | OLEM |
| 2026-01 | $19.54M | $14.70M | $34.24M | 99.0% | 1 | OLEM |
| 2025-12 | $21.52M | $12.75M | $34.27M | 99.0% | 1 | OLEM |
| 2025-11 | $18.36M | $13.89M | $32.25M | 99.0% | 1 | OLEM |
| 2025-10 | $19.50M | $13.13M | $32.62M | 99.0% | 1 | OLEM |
| 2025-09 | $19.04M | $14.59M | $33.62M | 99.0% | 1 | OLEM |
| 2025-08 | $16.98M | $15.13M | $32.10M | 99.0% | 1 | OLEM |
| 2025-07 | $19.82M | $12.38M | $32.21M | 99.0% | 1 | OLEM |