Silverline Industries Co.
CIF-00080 · U75079BR2014PLC100080 · Transportation · Micro Enterprise · Brazil
RM: David Wilson
Credit Risk Manager: Christopher Lopez
Exposure: $38.61M
CBRB: Normal
Internal: OLEM
Risk Score:21 · Low
Total Exposure
$38.61M
Prev: $38.08M1.4%
Utilization
24.2%
Prev: 23.8%0.4pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
OLEM
Prev: Normal
Open Alerts
2
C 0
H 0
M 1
L 1
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 · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 2/16/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Open | Lucas White | — |
| 4/12/2026 | Rating Downgrade | Critical | Borrower rating migrated from Normal to Normal. | Dismissed | Charlotte Perez | — |
| 1/31/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | In Review | Christopher Lopez | — |
AI Risk Score
21
/ 100
Low 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+15
Internal Rating Drift+12
Industry Concentration+10
Utilization Level+6
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 1.4% month-over-month, currently at $38.61M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 24.2%. Overall borrower risk is assessed as low.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
David Wilson
david.wilson@bank.com
+1 555 0055
Portfolio: $2.35B
Credit Risk Manager
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
Business Head
Benjamin Jones
benjamin.jones@bank.com
+1 555 0209
Portfolio: $2.38B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $25.37M | $13.24M | $38.61M | 24.2% | 4 | Normal |
| 2026-05 | $25.14M | $12.94M | $38.08M | 23.8% | 4 | Normal |
| 2026-04 | $23.63M | $13.52M | $37.14M | 26.4% | 4 | Normal |
| 2026-03 | $20.79M | $18.24M | $39.03M | 29.7% | 4 | Normal |
| 2026-02 | $22.71M | $14.98M | $37.70M | 28.2% | 4 | Normal |
| 2026-01 | $24.52M | $13.54M | $38.06M | 23.7% | 4 | Normal |
| 2025-12 | $19.72M | $16.96M | $36.68M | 26.0% | 4 | Normal |
| 2025-11 | $22.43M | $13.69M | $36.12M | 20.8% | 4 | Normal |
| 2025-10 | $20.94M | $13.72M | $34.66M | 17.3% | 4 | Normal |
| 2025-09 | $18.17M | $15.90M | $34.07M | 23.2% | 4 | Normal |
| 2025-08 | $21.89M | $13.85M | $35.75M | 20.4% | 4 | Normal |
| 2025-07 | $20.97M | $16.24M | $37.21M | 24.0% | 4 | Normal |