Northwind Logistics Co.
CIF-00092 · U75091US2014PLC100092 · Construction · Micro Enterprise · USA
RM: Ryan Harris
Credit Risk Manager: Lucas White
Exposure: $15.26M
CBRB: Normal
Internal: Normal
Risk Score:55 · Medium
Total Exposure
$15.26M
Prev: $14.91M2.4%
Utilization
87.3%
Prev: 82.0%5.3pp
Banking Relationships
7
Prev: 70.0
CBRB Rating
Normal
Prev: OLEM
Internal Rating
Normal
Prev: Normal
Open Alerts
3
C 0
H 2
M 0
L 1
Exposure Trend Analysis · 24 Months
Funded · Non-Funded · Total
Utilization Trend · Reporting Bank vs Other Banks
Threshold 70%
Rating Migration Timeline
2024-07
OLEMStart
2025-03
SubstandardDowngrade
2025-06
OLEMUpgrade
2026-04
NormalUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 2/25/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Open | Nathan Hernandez | — |
| 5/9/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Resolved | Sophia Thompson | 5/9/2026 |
| 5/23/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Open | Sarah Brown | — |
| 4/19/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Open | Ava Johnson | — |
AI Risk Score
55
/ 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+22
CBRB Rating Migration+15
Banking Relationship Growth+15
Industry Concentration+9
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 2.4% month-over-month, currently at $15.26M. Banking relationships moved from 7 to 7 banks per CBRB data. CBRB rating improved from OLEM to Normal. Current utilization is 87.3% — 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
Ryan Harris
ryan.harris@bank.com
+1 555 0187
Portfolio: $1.96B
Credit Risk Manager
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
Business Head
Olivia Taylor
olivia.taylor@bank.com
+1 555 0066
Portfolio: $2.26B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $8.22M | $7.04M | $15.26M | 87.3% | 7 | Normal |
| 2026-05 | $8.24M | $6.68M | $14.91M | 82.0% | 7 | Normal |
| 2026-04 | $7.77M | $6.36M | $14.13M | 87.1% | 7 | Normal |
| 2026-03 | $7.82M | $6.25M | $14.07M | 90.5% | 7 | OLEM |
| 2026-02 | $9.68M | $5.09M | $14.76M | 90.7% | 7 | OLEM |
| 2026-01 | $9.71M | $5.37M | $15.08M | 90.8% | 7 | OLEM |
| 2025-12 | $9.26M | $4.94M | $14.21M | 89.4% | 7 | OLEM |
| 2025-11 | $7.67M | $5.96M | $13.62M | 90.8% | 7 | OLEM |
| 2025-10 | $8.87M | $4.88M | $13.76M | 95.6% | 7 | OLEM |
| 2025-09 | $8.63M | $5.17M | $13.80M | 92.3% | 7 | OLEM |
| 2025-08 | $8.90M | $4.82M | $13.72M | 87.5% | 7 | OLEM |
| 2025-07 | $7.70M | $6.29M | $13.99M | 92.9% | 7 | OLEM |