Horizon Partners Ltd
CIF-00069 · U75068UA2014PLC100069 · Mining · Syndicated · UAE
RM: Benjamin Jones
Credit Risk Manager: Sarah Brown
Exposure: $32.48M
CBRB: Normal
Internal: Normal
Risk Score:41 · Medium
Total Exposure
$32.48M
Prev: $33.57M3.3%
Utilization
64.7%
Prev: 70.6%5.9pp
Banking Relationships
6
Prev: 51.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
0
C 0
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
No rating changes in the last 24 months. Currently Normal.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 0
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| No alerts match filters. | ||||||
AI Risk Score
41
/ 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+16
CBRB Rating Migration+15
Banking Relationship Growth+15
Industry Concentration+15
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 3.3% month-over-month, currently at $32.48M. Banking relationships moved from 5 to 6 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 64.7%. 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
Benjamin Jones
benjamin.jones@bank.com
+1 555 0209
Portfolio: $2.38B
Credit Risk Manager
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
Business Head
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $19.41M | $13.07M | $32.48M | 64.7% | 6 | Normal |
| 2026-05 | $22.47M | $11.10M | $33.57M | 70.6% | 5 | Normal |
| 2026-04 | $21.38M | $13.73M | $35.11M | 65.3% | 5 | Normal |
| 2026-03 | $20.67M | $16.09M | $36.76M | 68.9% | 5 | Normal |
| 2026-02 | $18.30M | $16.20M | $34.50M | 69.5% | 5 | Normal |
| 2026-01 | $23.03M | $11.11M | $34.14M | 72.0% | 5 | Normal |
| 2025-12 | $18.48M | $14.28M | $32.76M | 69.7% | 5 | Normal |
| 2025-11 | $18.21M | $13.46M | $31.68M | 70.8% | 5 | Normal |
| 2025-10 | $18.49M | $12.30M | $30.79M | 66.6% | 5 | Normal |
| 2025-09 | $17.30M | $14.33M | $31.64M | 62.4% | 5 | Normal |
| 2025-08 | $19.26M | $10.89M | $30.15M | 58.8% | 4 | Normal |
| 2025-07 | $20.94M | $10.64M | $31.58M | 58.2% | 4 | Normal |