Atlantic Technologies Group
CIF-00110 · U75109JA2014PLC100110 · Wholesale Trade · Large Corporate · Japan
RM: Isabella Williams
Credit Risk Manager: Ava Johnson
Exposure: $10.18M
CBRB: OLEM
Internal: Normal
Risk Score:60 · Medium
Total Exposure
$10.18M
Prev: $10.48M2.9%
Utilization
94.1%
Prev: 96.5%2.4pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
Normal
Prev: Normal
Open Alerts
2
C 1
H 0
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
No rating changes in the last 24 months. Currently OLEM.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 5/29/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Resolved | Olivia Taylor | 5/29/2026 |
| 1/29/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | In Review | Ryan Harris | — |
| 6/4/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Open | Ella Anderson | — |
| 5/30/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Dismissed | Matthew Sanchez | — |
| 1/27/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Resolved | Sophia Thompson | 1/27/2026 |
AI Risk Score
60
/ 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+24
CBRB Rating Migration+21
Industry Concentration+12
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 2.9% month-over-month, currently at $10.18M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 94.1% — 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
Isabella Williams
isabella.williams@bank.com
+1 555 0110
Portfolio: $2.11B
Credit Risk Manager
Ava Johnson
ava.johnson@bank.com
+1 555 0198
Portfolio: $1.94B
Business Head
Grace Lee
grace.lee@bank.com
+1 555 0264
Portfolio: $2.12B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $5.99M | $4.18M | $10.18M | 94.1% | 1 | OLEM |
| 2026-05 | $5.67M | $4.81M | $10.48M | 96.5% | 1 | OLEM |
| 2026-04 | $5.82M | $4.48M | $10.30M | 98.2% | 1 | OLEM |
| 2026-03 | $7.25M | $3.55M | $10.80M | 96.9% | 1 | OLEM |
| 2026-02 | $5.68M | $4.51M | $10.20M | 94.4% | 1 | OLEM |
| 2026-01 | $5.85M | $4.20M | $10.05M | 91.6% | 1 | OLEM |
| 2025-12 | $6.57M | $3.23M | $9.80M | 88.3% | 2 | OLEM |
| 2025-11 | $5.43M | $3.87M | $9.31M | 84.8% | 2 | OLEM |
| 2025-10 | $5.33M | $3.62M | $8.96M | 81.6% | 2 | OLEM |
| 2025-09 | $4.84M | $3.74M | $8.58M | 76.0% | 2 | OLEM |
| 2025-08 | $4.65M | $3.78M | $8.43M | 79.8% | 2 | OLEM |
| 2025-07 | $4.82M | $3.84M | $8.66M | 82.4% | 2 | OLEM |