Silverline Partners Group
CIF-00072 · U75071UK2014PLC100072 · Education · Large Corporate · UK
RM: Ella Anderson
Credit Risk Manager: David Wilson
Exposure: $17.15M
CBRB: Doubtful
Internal: Substandard
Risk Score:68 · High
Total Exposure
$17.15M
Prev: $17.96M4.5%
Utilization
33.5%
Prev: 38.3%4.8pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Doubtful
Prev: Doubtful
Internal Rating
Substandard
Prev: Substandard
Open Alerts
2
C 0
H 1
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
2024-10
SubstandardDowngrade
2024-11
OLEMUpgrade
2025-10
SubstandardDowngrade
2026-01
DoubtfulDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 12/29/2025 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Open | Sophia Thompson | — |
| 1/20/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Dismissed | Harper Davis | — |
| 4/27/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Resolved | Lucas White | 4/27/2026 |
| 5/24/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Open | David Wilson | — |
AI Risk Score
68
/ 100
High 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+33
Industry Concentration+9
Utilization Level+8
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 4.5% month-over-month, currently at $17.15M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating remained stable from Doubtful to Doubtful. Current utilization is 33.5%. Overall borrower risk is assessed as high.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Ella Anderson
ella.anderson@bank.com
+1 555 0242
Portfolio: $1.99B
Credit Risk Manager
David Wilson
david.wilson@bank.com
+1 555 0055
Portfolio: $2.35B
Business Head
Andrew Garcia
andrew.garcia@bank.com
+1 555 0121
Portfolio: $2.16B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $9.78M | $7.36M | $17.15M | 33.5% | 4 | Doubtful |
| 2026-05 | $10.40M | $7.56M | $17.96M | 38.3% | 4 | Doubtful |
| 2026-04 | $9.52M | $7.89M | $17.41M | 43.0% | 4 | Doubtful |
| 2026-03 | $12.19M | $6.13M | $18.32M | 45.4% | 4 | Doubtful |
| 2026-02 | $11.27M | $6.28M | $17.55M | 47.8% | 4 | Doubtful |
| 2026-01 | $11.04M | $6.12M | $17.17M | 51.0% | 4 | Doubtful |
| 2025-12 | $9.18M | $7.83M | $17.01M | 48.6% | 5 | Substandard |
| 2025-11 | $9.94M | $6.74M | $16.68M | 50.7% | 5 | Substandard |
| 2025-10 | $9.45M | $6.64M | $16.09M | 54.5% | 5 | Substandard |
| 2025-09 | $9.43M | $6.58M | $16.01M | 53.5% | 5 | OLEM |
| 2025-08 | $9.61M | $5.92M | $15.53M | 56.8% | 5 | OLEM |
| 2025-07 | $10.14M | $5.21M | $15.35M | 54.4% | 4 | OLEM |