Beacon Telecom PLC
CIF-00074 · U75073UA2014PLC100074 · Wholesale Trade · Micro Enterprise · UAE
RM: Grace Lee
Credit Risk Manager: Daniel Martin
Exposure: $14.06M
CBRB: Substandard
Internal: Substandard
Risk Score:74 · High
Total Exposure
$14.06M
Prev: $13.20M6.5%
Utilization
50.7%
Prev: 45.8%4.9pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
Substandard
Prev: Doubtful
Internal Rating
Substandard
Prev: Substandard
Open Alerts
5
C 1
H 1
M 2
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
SubstandardStart
2024-11
DoubtfulDowngrade
2026-04
SubstandardUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/20/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | In Review | Daniel Martin | — |
| 5/9/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Open | Michael Miller | — |
| 6/3/2026 | Rating Upgrade | Medium | Borrower rating improved to Substandard. | Open | Charlotte Perez | — |
| 4/30/2026 | Rating Downgrade | Critical | Borrower rating migrated from Doubtful to Substandard. | Open | David Wilson | — |
| 2/24/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Open | Amelia Thomas | — |
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
Banking Relationship Growth+15
Utilization Level+13
Industry Concentration+12
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 6.5% month-over-month, currently at $14.06M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating improved from Doubtful to Substandard. Current utilization is 50.7%. 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
Grace Lee
grace.lee@bank.com
+1 555 0264
Portfolio: $2.12B
Credit Risk Manager
Daniel Martin
daniel.martin@bank.com
+1 555 0077
Portfolio: $2.17B
Business Head
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $9.11M | $4.95M | $14.06M | 50.7% | 5 | Substandard |
| 2026-05 | $7.87M | $5.33M | $13.20M | 45.8% | 5 | Substandard |
| 2026-04 | $9.06M | $4.38M | $13.45M | 41.0% | 5 | Substandard |
| 2026-03 | $7.72M | $6.14M | $13.86M | 37.8% | 5 | Doubtful |
| 2026-02 | $8.03M | $5.03M | $13.06M | 36.1% | 5 | Doubtful |
| 2026-01 | $7.06M | $6.13M | $13.19M | 33.2% | 5 | Doubtful |
| 2025-12 | $7.49M | $6.10M | $13.59M | 36.0% | 5 | Doubtful |
| 2025-11 | $8.67M | $4.56M | $13.24M | 38.6% | 5 | Doubtful |
| 2025-10 | $8.15M | $5.20M | $13.35M | 34.4% | 5 | Doubtful |
| 2025-09 | $8.28M | $5.50M | $13.78M | 31.5% | 5 | Doubtful |
| 2025-08 | $8.20M | $5.88M | $14.08M | 31.9% | 5 | Doubtful |
| 2025-07 | $7.94M | $6.38M | $14.32M | 34.3% | 5 | Doubtful |