Riverbend Energy Ltd
CIF-00086 · U75085FR2014PLC100086 · Transportation · Syndicated · France
RM: Andrew Garcia
Credit Risk Manager: Benjamin Jones
Exposure: $29.27M
CBRB: Normal
Internal: Normal
Risk Score:49 · Medium
Total Exposure
$29.27M
Prev: $30.57M4.3%
Utilization
70.9%
Prev: 70.2%0.7pp
Banking Relationships
6
Prev: 60.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
2
C 0
H 0
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 · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/3/2026 | Rating Upgrade | Medium | Borrower rating improved to Normal. | Open | Harper Davis | — |
| 3/28/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Open | Michael Miller | — |
AI Risk Score
49
/ 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
Utilization Level+18
CBRB Rating Migration+15
Banking Relationship Growth+15
Industry Concentration+10
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 4.3% month-over-month, currently at $29.27M. Banking relationships moved from 6 to 6 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 70.9% — above the 70% early warning threshold. Overall borrower risk is assessed as medium.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Andrew Garcia
andrew.garcia@bank.com
+1 555 0121
Portfolio: $2.16B
Credit Risk Manager
Benjamin Jones
benjamin.jones@bank.com
+1 555 0209
Portfolio: $2.38B
Business Head
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $17.26M | $12.01M | $29.27M | 70.9% | 6 | Normal |
| 2026-05 | $17.41M | $13.16M | $30.57M | 70.2% | 6 | Normal |
| 2026-04 | $19.01M | $9.97M | $28.98M | 73.8% | 6 | Normal |
| 2026-03 | $16.96M | $11.69M | $28.65M | 73.6% | 6 | Normal |
| 2026-02 | $17.13M | $10.25M | $27.38M | 73.4% | 6 | Normal |
| 2026-01 | $15.39M | $11.86M | $27.25M | 74.4% | 6 | Normal |
| 2025-12 | $17.84M | $8.83M | $26.67M | 75.6% | 6 | Normal |
| 2025-11 | $16.38M | $10.12M | $26.50M | 81.4% | 6 | Normal |
| 2025-10 | $15.44M | $9.47M | $24.91M | 80.5% | 6 | Normal |
| 2025-09 | $15.78M | $10.26M | $26.04M | 86.3% | 6 | Normal |
| 2025-08 | $13.91M | $11.27M | $25.18M | 83.2% | 6 | Normal |
| 2025-07 | $14.51M | $10.82M | $25.32M | 84.1% | 6 | Normal |