Northwind Partners Co.
CIF-00141 · U75140UK2014PLC100141 · Retail Trade · SME · UK
RM: Charlotte Perez
Credit Risk Manager: Grace Lee
Exposure: $48.86M
CBRB: Normal
Internal: Normal
Risk Score:37 · Medium
Total Exposure
$48.86M
Prev: $49.52M1.3%
Utilization
57.7%
Prev: 52.6%5.1pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
2
C 1
H 1
M 0
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
NormalStart
2025-06
OLEMDowngrade
2026-02
NormalUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 12/26/2025 | Rating Downgrade | Critical | Borrower rating migrated from Normal to Normal. | Open | Matthew Sanchez | — |
| 6/6/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Open | Emily Martinez | — |
AI Risk Score
37
/ 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+15
Banking Relationship Growth+15
Utilization Level+14
Industry Concentration+10
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 1.3% month-over-month, currently at $48.86M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 57.7%. 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
Charlotte Perez
charlotte.perez@bank.com
+1 555 0176
Portfolio: $2.23B
Credit Risk Manager
Grace Lee
grace.lee@bank.com
+1 555 0264
Portfolio: $2.12B
Business Head
David Wilson
david.wilson@bank.com
+1 555 0055
Portfolio: $2.35B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $31.15M | $17.71M | $48.86M | 57.7% | 5 | Normal |
| 2026-05 | $31.00M | $18.51M | $49.52M | 52.6% | 5 | Normal |
| 2026-04 | $29.88M | $16.96M | $46.84M | 57.8% | 5 | Normal |
| 2026-03 | $25.01M | $19.34M | $44.35M | 52.3% | 5 | Normal |
| 2026-02 | $29.62M | $16.56M | $46.18M | 47.2% | 5 | Normal |
| 2026-01 | $27.03M | $17.23M | $44.26M | 42.1% | 5 | OLEM |
| 2025-12 | $29.20M | $16.27M | $45.47M | 45.5% | 5 | OLEM |
| 2025-11 | $25.56M | $19.63M | $45.19M | 43.4% | 5 | OLEM |
| 2025-10 | $31.00M | $16.29M | $47.29M | 41.0% | 5 | OLEM |
| 2025-09 | $30.73M | $18.85M | $49.57M | 43.7% | 5 | OLEM |
| 2025-08 | $28.36M | $21.25M | $49.61M | 48.1% | 5 | OLEM |
| 2025-07 | $30.16M | $19.83M | $49.99M | 47.5% | 5 | OLEM |