Bluewave Holdings PLC
CIF-00100 · U75099US2014PLC100100 · Mining · Mid Corporate · USA
RM: Lucas White
Credit Risk Manager: Sophia Thompson
Exposure: $27.24M
CBRB: Substandard
Internal: OLEM
Risk Score:51 · Medium
Total Exposure
$27.24M
Prev: $26.00M4.8%
Utilization
23.3%
Prev: 20.8%2.5pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Substandard
Prev: OLEM
Internal Rating
OLEM
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
2024-07
OLEMStart
2026-05
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/20/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | In Review | Isabella Williams | — |
| 1/17/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | In Review | Isabella Williams | — |
AI Risk Score
51
/ 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
CBRB Rating Migration+27
Industry Concentration+15
Utilization Level+6
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 4.8% month-over-month, currently at $27.24M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating deteriorated from OLEM to Substandard. Current utilization is 23.3%. Overall borrower risk is assessed as medium.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
Credit Risk Manager
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
Business Head
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $18.01M | $9.23M | $27.24M | 23.3% | 2 | Substandard |
| 2026-05 | $16.13M | $9.88M | $26.00M | 20.8% | 2 | Substandard |
| 2026-04 | $16.04M | $11.29M | $27.33M | 26.5% | 1 | OLEM |
| 2026-03 | $17.12M | $8.58M | $25.70M | 32.2% | 1 | OLEM |
| 2026-02 | $13.10M | $11.27M | $24.37M | 30.8% | 1 | OLEM |
| 2026-01 | $14.59M | $9.92M | $24.51M | 32.4% | 1 | OLEM |
| 2025-12 | $15.00M | $8.11M | $23.11M | 28.8% | 1 | OLEM |
| 2025-11 | $14.51M | $7.58M | $22.09M | 26.9% | 1 | OLEM |
| 2025-10 | $14.33M | $7.98M | $22.31M | 26.0% | 1 | OLEM |
| 2025-09 | $12.16M | $10.52M | $22.68M | 29.7% | 1 | OLEM |
| 2025-08 | $12.26M | $9.39M | $21.65M | 31.7% | 1 | OLEM |
| 2025-07 | $11.85M | $8.44M | $20.28M | 28.8% | 1 | OLEM |