Crescent Agro LLC
CIF-00096 · U75095US2014PLC100096 · Financial Services · Commercial · USA
RM: Nathan Hernandez
Credit Risk Manager: Emily Martinez
Exposure: $15.56M
CBRB: Substandard
Internal: Doubtful
Risk Score:84 · Critical
Total Exposure
$15.56M
Prev: $14.79M5.2%
Utilization
90.1%
Prev: 91.9%1.8pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
Doubtful
Prev: Substandard
Open Alerts
2
C 0
H 0
M 1
L 1
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 Substandard.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 12/14/2025 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Open | Mia Rodriguez | — |
| 2/7/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | Lucas White | — |
AI Risk Score
84
/ 100
Critical 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+27
Utilization Level+23
Industry Concentration+12
Internal Rating Drift+12
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 5.2% month-over-month, currently at $15.56M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 90.1% — above the 70% early warning threshold. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Nathan Hernandez
nathan.hernandez@bank.com
+1 555 0231
Portfolio: $1.79B
Credit Risk Manager
Emily Martinez
emily.martinez@bank.com
+1 555 0044
Portfolio: $2.24B
Business Head
Isabella Williams
isabella.williams@bank.com
+1 555 0110
Portfolio: $2.11B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $8.91M | $6.65M | $15.56M | 90.1% | 4 | Substandard |
| 2026-05 | $9.66M | $5.12M | $14.79M | 91.9% | 4 | Substandard |
| 2026-04 | $9.62M | $5.85M | $15.47M | 90.5% | 4 | Substandard |
| 2026-03 | $8.82M | $6.20M | $15.02M | 88.3% | 4 | Substandard |
| 2026-02 | $8.85M | $5.83M | $14.67M | 86.2% | 4 | Substandard |
| 2026-01 | $7.68M | $6.67M | $14.35M | 90.3% | 4 | Substandard |
| 2025-12 | $7.97M | $6.24M | $14.21M | 87.5% | 4 | Substandard |
| 2025-11 | $9.39M | $4.85M | $14.23M | 90.3% | 4 | Substandard |
| 2025-10 | $8.61M | $5.80M | $14.42M | 94.6% | 4 | Substandard |
| 2025-09 | $8.38M | $5.83M | $14.20M | 99.0% | 4 | Substandard |
| 2025-08 | $8.80M | $5.61M | $14.41M | 98.8% | 4 | Substandard |
| 2025-07 | $8.40M | $5.51M | $13.91M | 98.7% | 4 | Substandard |