Citadel Telecom Ltd
CIF-00138 · U75137SI2014PLC100138 · Real Estate · Commercial · Singapore
RM: Christopher Lopez
Credit Risk Manager: Nathan Hernandez
Exposure: $20.45M
CBRB: Substandard
Internal: Substandard
Risk Score:69 · High
Total Exposure
$20.45M
Prev: $19.22M6.4%
Utilization
52.5%
Prev: 58.0%5.5pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
Substandard
Prev: OLEM
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
2024-07
DoubtfulStart
2025-02
SubstandardUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/30/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Open | Sophia Thompson | — |
| 6/8/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Open | Isabella Williams | — |
AI Risk Score
69
/ 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+13
Industry Concentration+13
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 6.4% month-over-month, currently at $20.45M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 52.5%. Overall borrower risk is assessed as high.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
Credit Risk Manager
Nathan Hernandez
nathan.hernandez@bank.com
+1 555 0231
Portfolio: $1.79B
Business Head
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $12.22M | $8.23M | $20.45M | 52.5% | 3 | Substandard |
| 2026-05 | $12.56M | $6.65M | $19.22M | 58.0% | 3 | Substandard |
| 2026-04 | $11.98M | $6.35M | $18.33M | 52.2% | 3 | Substandard |
| 2026-03 | $11.32M | $6.20M | $17.52M | 52.5% | 3 | Substandard |
| 2026-02 | $10.10M | $6.68M | $16.78M | 55.2% | 3 | Substandard |
| 2026-01 | $10.77M | $5.92M | $16.69M | 50.5% | 3 | Substandard |
| 2025-12 | $10.13M | $6.51M | $16.64M | 45.8% | 3 | Substandard |
| 2025-11 | $11.38M | $5.55M | $16.93M | 45.8% | 3 | Substandard |
| 2025-10 | $10.98M | $5.42M | $16.40M | 41.6% | 3 | Substandard |
| 2025-09 | $10.04M | $6.40M | $16.44M | 43.5% | 3 | Substandard |
| 2025-08 | $10.42M | $5.90M | $16.31M | 39.5% | 3 | Substandard |
| 2025-07 | $9.62M | $7.27M | $16.89M | 44.4% | 3 | Substandard |