Goldcrest Enterprises Co.
CIF-00088 · U75087CA2014PLC100088 · Education · Trade Finance · Canada
RM: Christopher Lopez
Credit Risk Manager: Nathan Hernandez
Exposure: $11.27M
CBRB: Normal
Internal: OLEM
Risk Score:20 · Low
Total Exposure
$11.27M
Prev: $11.07M1.8%
Utilization
48.9%
Prev: 47.0%1.9pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
OLEM
Prev: Normal
Open Alerts
2
C 1
H 0
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
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 |
|---|---|---|---|---|---|---|
| 1/18/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Ryan Harris | — |
| 12/21/2025 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Open | Sophia Thompson | — |
AI Risk Score
20
/ 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+13
Utilization Level+12
Internal Rating Drift+12
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 1.8% month-over-month, currently at $11.27M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 48.9%. 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
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
Credit Risk Manager
Nathan Hernandez
nathan.hernandez@bank.com
+1 555 0231
Portfolio: $1.79B
Business Head
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $6.91M | $4.35M | $11.27M | 48.9% | 3 | Normal |
| 2026-05 | $7.25M | $3.81M | $11.07M | 47.0% | 3 | Normal |
| 2026-04 | $5.54M | $4.90M | $10.44M | 49.9% | 2 | Normal |
| 2026-03 | $6.59M | $3.88M | $10.47M | 51.5% | 2 | Normal |
| 2026-02 | $5.68M | $4.78M | $10.46M | 56.1% | 3 | Normal |
| 2026-01 | $6.10M | $4.15M | $10.25M | 56.1% | 3 | Normal |
| 2025-12 | $5.80M | $4.18M | $9.98M | 61.2% | 3 | Normal |
| 2025-11 | $5.57M | $4.19M | $9.76M | 66.6% | 3 | Normal |
| 2025-10 | $5.20M | $4.47M | $9.67M | 72.0% | 3 | Normal |
| 2025-09 | $5.65M | $4.40M | $10.05M | 70.5% | 4 | Normal |
| 2025-08 | $5.70M | $3.93M | $9.63M | 68.1% | 4 | Normal |
| 2025-07 | $6.39M | $3.40M | $9.79M | 73.4% | 4 | Normal |