Summit Ventures Ltd
CIF-00075 · U75074SI2014PLC100075 · Transportation · Financial Institution · Singapore
RM: Lucas White
Credit Risk Manager: Sophia Thompson
Exposure: $41.77M
CBRB: OLEM
Internal: Substandard
Risk Score:34 · Medium
Total Exposure
$41.77M
Prev: $43.39M3.7%
Utilization
23.7%
Prev: 22.2%1.5pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
Substandard
Prev: Substandard
Open Alerts
1
C 0
H 1
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
NormalStart
2024-11
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 2/24/2026 | Rating Upgrade | Medium | Borrower rating improved to OLEM. | Dismissed | Amelia Thomas | — |
| 1/27/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | In Review | Christopher Lopez | — |
| 1/29/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Dismissed | Andrew Garcia | — |
AI Risk Score
34
/ 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+21
Industry Concentration+13
Internal Rating Drift+12
Utilization Level+6
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure decreased by 3.7% month-over-month, currently at $41.77M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 23.7%. 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
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
Credit Risk Manager
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
Business Head
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $24.95M | $16.83M | $41.77M | 23.7% | 2 | OLEM |
| 2026-05 | $24.90M | $18.49M | $43.39M | 22.2% | 2 | OLEM |
| 2026-04 | $23.07M | $18.28M | $41.35M | 19.0% | 2 | OLEM |
| 2026-03 | $25.65M | $13.55M | $39.19M | 23.5% | 2 | OLEM |
| 2026-02 | $19.99M | $18.04M | $38.03M | 22.3% | 1 | OLEM |
| 2026-01 | $24.96M | $12.75M | $37.71M | 20.5% | 1 | OLEM |
| 2025-12 | $22.22M | $14.82M | $37.04M | 23.8% | 1 | OLEM |
| 2025-11 | $24.82M | $13.07M | $37.89M | 27.3% | 1 | OLEM |
| 2025-10 | $21.19M | $16.97M | $38.16M | 27.5% | 1 | OLEM |
| 2025-09 | $26.29M | $13.52M | $39.81M | 27.0% | 1 | OLEM |
| 2025-08 | $22.20M | $15.70M | $37.90M | 27.4% | 1 | OLEM |
| 2025-07 | $19.94M | $17.39M | $37.34M | 30.8% | 1 | OLEM |