Ironclad Resources Group
CIF-00084 · U75083AU2014PLC100084 · Mining · Large Corporate · Australia
RM: Matthew Sanchez
Credit Risk Manager: Ryan Harris
Exposure: $45.01M
CBRB: Normal
Internal: Normal
Risk Score:17 · Low
Total Exposure
$45.01M
Prev: $43.25M4.1%
Utilization
37.0%
Prev: 39.7%2.7pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
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
No rating changes in the last 24 months. Currently Normal.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 1
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 2/17/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Resolved | Sarah Brown | 2/17/2026 |
AI Risk Score
17
/ 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
Industry Concentration+11
Utilization Level+9
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 4.1% month-over-month, currently at $45.01M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 37.0%. 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
Matthew Sanchez
matthew.sanchez@bank.com
+1 555 0099
Portfolio: $2.20B
Credit Risk Manager
Ryan Harris
ryan.harris@bank.com
+1 555 0187
Portfolio: $1.96B
Business Head
Jacob Moore
jacob.moore@bank.com
+1 555 0253
Portfolio: $2.23B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $27.24M | $17.77M | $45.01M | 37.0% | 3 | Normal |
| 2026-05 | $26.10M | $17.14M | $43.25M | 39.7% | 3 | Normal |
| 2026-04 | $25.55M | $19.50M | $45.06M | 36.1% | 3 | Normal |
| 2026-03 | $29.01M | $14.69M | $43.70M | 39.8% | 3 | Normal |
| 2026-02 | $28.58M | $13.82M | $42.40M | 41.3% | 3 | Normal |
| 2026-01 | $23.47M | $21.05M | $44.52M | 43.0% | 3 | Normal |
| 2025-12 | $23.58M | $20.22M | $43.80M | 41.1% | 3 | Normal |
| 2025-11 | $27.04M | $15.65M | $42.69M | 38.0% | 3 | Normal |
| 2025-10 | $27.34M | $16.67M | $44.01M | 39.0% | 3 | Normal |
| 2025-09 | $23.32M | $18.53M | $41.85M | 42.5% | 3 | Normal |
| 2025-08 | $26.61M | $16.25M | $42.86M | 43.1% | 3 | Normal |
| 2025-07 | $27.66M | $13.52M | $41.18M | 48.7% | 3 | Normal |