Goldcrest Telecom Ltd
CIF-00087 · U75086UK2014PLC100087 · Healthcare · Large Corporate · UK
RM: Mia Rodriguez
Credit Risk Manager: Harper Davis
Exposure: $45.27M
CBRB: Normal
Internal: Normal
Risk Score:24 · Low
Total Exposure
$45.27M
Prev: $44.43M1.9%
Utilization
17.2%
Prev: 20.1%2.9pp
Banking Relationships
6
Prev: 60.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
2
C 0
H 1
M 1
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
OLEMStart
2025-07
SubstandardDowngrade
2025-09
OLEMUpgrade
2026-03
NormalUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 12/24/2025 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Resolved | Harper Davis | 12/24/2025 |
| 5/8/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Open | Grace Lee | — |
| 3/22/2026 | Rating Downgrade | High | Borrower rating migrated from Normal to Normal. | Open | Michael Miller | — |
AI Risk Score
24
/ 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
Banking Relationship Growth+15
Industry Concentration+12
Exposure Growth Trend+5
Internal Rating Drift+5
Utilization Level+4
AI Risk Commentary
AI
Customer exposure increased by 1.9% month-over-month, currently at $45.27M. Banking relationships moved from 6 to 6 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 17.2%. 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
Mia Rodriguez
mia.rodriguez@bank.com
+1 555 0132
Portfolio: $2.26B
Credit Risk Manager
Harper Davis
harper.davis@bank.com
+1 555 0220
Portfolio: $2.09B
Business Head
James Smith
james.smith@bank.com
+1 555 0011
Portfolio: $2.05B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $25.70M | $19.57M | $45.27M | 17.2% | 6 | Normal |
| 2026-05 | $28.89M | $15.53M | $44.43M | 20.1% | 6 | Normal |
| 2026-04 | $26.68M | $16.37M | $43.05M | 18.5% | 6 | Normal |
| 2026-03 | $25.19M | $19.72M | $44.92M | 20.6% | 6 | Normal |
| 2026-02 | $24.70M | $21.83M | $46.52M | 22.9% | 6 | OLEM |
| 2026-01 | $26.79M | $18.42M | $45.21M | 28.2% | 6 | OLEM |
| 2025-12 | $25.69M | $16.86M | $42.55M | 22.4% | 6 | OLEM |
| 2025-11 | $22.52M | $18.05M | $40.57M | 18.0% | 6 | OLEM |
| 2025-10 | $27.45M | $15.13M | $42.58M | 17.1% | 6 | OLEM |
| 2025-09 | $28.71M | $15.15M | $43.87M | 12.0% | 6 | OLEM |
| 2025-08 | $27.94M | $17.26M | $45.20M | 12.2% | 6 | Substandard |
| 2025-07 | $26.60M | $17.93M | $44.54M | 16.8% | 6 | Substandard |