Meridian Manufacturing Ltd
CIF-00129 · U75128CA2014PLC100129 · Manufacturing · Financial Institution · Canada
RM: Emily Martinez
Credit Risk Manager: Mia Rodriguez
Exposure: $45.93M
CBRB: Substandard
Internal: Doubtful
Risk Score:74 · High
Total Exposure
$45.93M
Prev: $47.69M3.7%
Utilization
94.1%
Prev: 90.6%3.5pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Substandard
Prev: OLEM
Internal Rating
Doubtful
Prev: Substandard
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
2024-07
NormalStart
2024-10
OLEMDowngrade
2024-11
NormalUpgrade
2024-12
OLEMDowngrade
2026-04
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/8/2026 | Rating Downgrade | Critical | Borrower rating migrated from OLEM to Substandard. | Open | Jacob Moore | — |
| 6/3/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Open | Ava Johnson | — |
AI Risk Score
74
/ 100
High 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+24
Internal Rating Drift+12
Industry Concentration+9
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure decreased by 3.7% month-over-month, currently at $45.93M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating deteriorated from OLEM to Substandard. Current utilization is 94.1% — above the 70% early warning threshold. Overall borrower risk is assessed as high.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Emily Martinez
emily.martinez@bank.com
+1 555 0044
Portfolio: $2.24B
Credit Risk Manager
Mia Rodriguez
mia.rodriguez@bank.com
+1 555 0132
Portfolio: $2.26B
Business Head
Ava Johnson
ava.johnson@bank.com
+1 555 0198
Portfolio: $1.94B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $26.26M | $19.67M | $45.93M | 94.1% | 4 | Substandard |
| 2026-05 | $25.69M | $22.00M | $47.69M | 90.6% | 4 | Substandard |
| 2026-04 | $27.57M | $19.49M | $47.06M | 89.9% | 5 | Substandard |
| 2026-03 | $24.90M | $20.17M | $45.07M | 85.6% | 5 | OLEM |
| 2026-02 | $28.96M | $15.18M | $44.14M | 87.3% | 5 | OLEM |
| 2026-01 | $26.10M | $15.19M | $41.29M | 92.4% | 5 | OLEM |
| 2025-12 | $22.70M | $19.02M | $41.72M | 91.5% | 5 | OLEM |
| 2025-11 | $20.78M | $18.47M | $39.25M | 91.0% | 5 | OLEM |
| 2025-10 | $23.33M | $16.43M | $39.76M | 86.9% | 5 | OLEM |
| 2025-09 | $21.89M | $19.42M | $41.32M | 84.2% | 6 | OLEM |
| 2025-08 | $24.90M | $18.06M | $42.97M | 80.3% | 5 | OLEM |
| 2025-07 | $28.59M | $16.17M | $44.76M | 78.8% | 5 | OLEM |