Sapphire Aviation PLC
CIF-00073 · U75072SI2014PLC100073 · Information Technology · Trade Finance · Singapore
RM: Jacob Moore
Credit Risk Manager: Olivia Taylor
Exposure: $7.72M
CBRB: Substandard
Internal: Substandard
Risk Score:74 · High
Total Exposure
$7.72M
Prev: $7.98M3.3%
Utilization
69.1%
Prev: 74.6%5.5pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
Substandard
Prev: Substandard
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
2024-07
DoubtfulStart
2025-04
SubstandardUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 1
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 5/27/2026 | Rating Upgrade | Medium | Borrower rating improved to Substandard. | Resolved | Michael Miller | 5/27/2026 |
AI Risk Score
74
/ 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+27
Utilization Level+17
Industry Concentration+9
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 3.3% month-over-month, currently at $7.72M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 69.1%. 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
Jacob Moore
jacob.moore@bank.com
+1 555 0253
Portfolio: $2.23B
Credit Risk Manager
Olivia Taylor
olivia.taylor@bank.com
+1 555 0066
Portfolio: $2.26B
Business Head
Mia Rodriguez
mia.rodriguez@bank.com
+1 555 0132
Portfolio: $2.26B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $5.01M | $2.71M | $7.72M | 69.1% | 1 | Substandard |
| 2026-05 | $4.48M | $3.50M | $7.98M | 74.6% | 1 | Substandard |
| 2026-04 | $4.22M | $3.67M | $7.89M | 76.8% | 1 | Substandard |
| 2026-03 | $4.35M | $3.70M | $8.05M | 78.1% | 1 | Substandard |
| 2026-02 | $5.19M | $2.67M | $7.86M | 78.5% | 1 | Substandard |
| 2026-01 | $4.74M | $2.96M | $7.70M | 76.4% | 1 | Substandard |
| 2025-12 | $4.13M | $3.28M | $7.41M | 77.9% | 1 | Substandard |
| 2025-11 | $3.77M | $3.34M | $7.11M | 78.8% | 1 | Substandard |
| 2025-10 | $4.25M | $2.72M | $6.97M | 77.9% | 1 | Substandard |
| 2025-09 | $3.85M | $3.23M | $7.08M | 78.5% | 1 | Substandard |
| 2025-08 | $4.50M | $2.65M | $7.15M | 84.4% | 1 | Substandard |
| 2025-07 | $4.48M | $2.65M | $7.13M | 88.3% | 1 | Substandard |