Horizon Ventures Co.
CIF-00076 · U75075AU2014PLC100076 · Retail Trade · SME · Australia
RM: James Smith
Credit Risk Manager: Matthew Sanchez
Exposure: $48.15M
CBRB: Normal
Internal: Normal
Risk Score:38 · Medium
Total Exposure
$48.15M
Prev: $50.15M4.0%
Utilization
48.2%
Prev: 50.3%2.1pp
Banking Relationships
5
Prev: 41.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
3
C 0
H 1
M 2
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 · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 3/2/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Open | Emily Martinez | — |
| 5/17/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Resolved | Olivia Taylor | 5/17/2026 |
| 12/28/2025 | Rating Upgrade | Medium | Borrower rating improved to Normal. | Open | Daniel Martin | — |
| 5/22/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Resolved | Jacob Moore | 5/22/2026 |
| 2/21/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Open | Mia Rodriguez | — |
AI Risk Score
38
/ 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
Industry Concentration+16
CBRB Rating Migration+15
Banking Relationship Growth+15
Utilization Level+12
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 4.0% month-over-month, currently at $48.15M. Banking relationships moved from 4 to 5 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 48.2%. 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
James Smith
james.smith@bank.com
+1 555 0011
Portfolio: $2.05B
Credit Risk Manager
Matthew Sanchez
matthew.sanchez@bank.com
+1 555 0099
Portfolio: $2.20B
Business Head
Joseph Jackson
joseph.jackson@bank.com
+1 555 0165
Portfolio: $2.24B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $32.10M | $16.05M | $48.15M | 48.2% | 5 | Normal |
| 2026-05 | $32.97M | $17.17M | $50.15M | 50.3% | 4 | Normal |
| 2026-04 | $27.72M | $19.44M | $47.16M | 49.4% | 4 | Normal |
| 2026-03 | $25.62M | $20.26M | $45.88M | 53.6% | 4 | Normal |
| 2026-02 | $28.39M | $15.26M | $43.65M | 53.7% | 4 | Normal |
| 2026-01 | $27.46M | $17.84M | $45.30M | 53.0% | 4 | Normal |
| 2025-12 | $28.07M | $15.83M | $43.90M | 47.1% | 4 | Normal |
| 2025-11 | $30.21M | $15.95M | $46.16M | 41.8% | 4 | Normal |
| 2025-10 | $25.05M | $21.83M | $46.88M | 39.9% | 4 | Normal |
| 2025-09 | $32.22M | $16.02M | $48.24M | 35.0% | 4 | Normal |
| 2025-08 | $24.74M | $20.39M | $45.13M | 30.7% | 4 | Normal |
| 2025-07 | $27.89M | $15.24M | $43.13M | 28.4% | 4 | Normal |