Meridian Pharma Inc
CIF-00065 · U75064SI2014PLC100065 · Education · SME · Singapore
RM: Joseph Jackson
Credit Risk Manager: Jacob Moore
Exposure: $77.77M
CBRB: Normal
Internal: Normal
Risk Score:36 · Medium
Total Exposure
$77.77M
Prev: $78.22M0.6%
Utilization
53.8%
Prev: 49.1%4.7pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
2
C 0
H 0
M 2
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
2024-11
NormalUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/23/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | In Review | Sophia Thompson | — |
| 12/16/2025 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | Matthew Sanchez | — |
| 4/24/2026 | Rating Upgrade | Medium | Borrower rating improved to Normal. | Resolved | Mia Rodriguez | 4/24/2026 |
AI Risk Score
36
/ 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+13
Industry Concentration+12
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 0.6% month-over-month, currently at $77.77M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 53.8%. 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
Joseph Jackson
joseph.jackson@bank.com
+1 555 0165
Portfolio: $2.24B
Credit Risk Manager
Jacob Moore
jacob.moore@bank.com
+1 555 0253
Portfolio: $2.23B
Business Head
Emily Martinez
emily.martinez@bank.com
+1 555 0044
Portfolio: $2.24B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $49.32M | $28.45M | $77.77M | 53.8% | 1 | Normal |
| 2026-05 | $43.22M | $35.00M | $78.22M | 49.1% | 1 | Normal |
| 2026-04 | $46.67M | $32.61M | $79.28M | 44.4% | 1 | Normal |
| 2026-03 | $43.55M | $31.30M | $74.85M | 39.7% | 1 | Normal |
| 2026-02 | $46.69M | $23.50M | $70.19M | 36.3% | 1 | Normal |
| 2026-01 | $43.79M | $27.95M | $71.74M | 34.7% | 2 | Normal |
| 2025-12 | $45.02M | $25.24M | $70.25M | 36.6% | 3 | Normal |
| 2025-11 | $43.48M | $28.56M | $72.04M | 38.2% | 3 | Normal |
| 2025-10 | $38.65M | $31.19M | $69.84M | 42.9% | 3 | Normal |
| 2025-09 | $37.50M | $33.60M | $71.09M | 37.2% | 3 | Normal |
| 2025-08 | $39.03M | $33.82M | $72.86M | 42.8% | 3 | Normal |
| 2025-07 | $49.03M | $24.53M | $73.56M | 37.2% | 3 | Normal |