Granite Group Inc
CIF-00155 · U75154CA2014PLC100155 · Telecom · Syndicated · Canada
RM: David Wilson
Credit Risk Manager: Christopher Lopez
Exposure: $47.78M
CBRB: OLEM
Internal: Normal
Risk Score:45 · Medium
Total Exposure
$47.78M
Prev: $45.53M4.9%
Utilization
37.2%
Prev: 38.3%1.1pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
Normal
Prev: Normal
Open Alerts
2
C 0
H 2
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
2025-10
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/8/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Charlotte Perez | — |
| 5/19/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | In Review | Ryan Harris | — |
| 1/18/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Dismissed | Daniel Martin | — |
| 1/13/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Resolved | Sophia Thompson | 1/13/2026 |
AI Risk Score
45
/ 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+21
Industry Concentration+10
Utilization Level+9
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 4.9% month-over-month, currently at $47.78M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 37.2%. 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
David Wilson
david.wilson@bank.com
+1 555 0055
Portfolio: $2.35B
Credit Risk Manager
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
Business Head
Benjamin Jones
benjamin.jones@bank.com
+1 555 0209
Portfolio: $2.38B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $29.68M | $18.10M | $47.78M | 37.2% | 1 | OLEM |
| 2026-05 | $25.96M | $19.58M | $45.53M | 38.3% | 1 | OLEM |
| 2026-04 | $28.63M | $14.79M | $43.42M | 41.3% | 2 | OLEM |
| 2026-03 | $21.56M | $19.49M | $41.05M | 46.6% | 2 | OLEM |
| 2026-02 | $22.90M | $16.72M | $39.62M | 40.9% | 1 | OLEM |
| 2026-01 | $26.92M | $13.88M | $40.80M | 39.6% | 1 | OLEM |
| 2025-12 | $24.18M | $14.89M | $39.06M | 44.5% | 1 | OLEM |
| 2025-11 | $21.30M | $15.98M | $37.28M | 40.3% | 1 | OLEM |
| 2025-10 | $19.41M | $15.70M | $35.11M | 35.1% | 1 | OLEM |
| 2025-09 | $20.65M | $15.68M | $36.33M | 37.5% | 1 | Normal |
| 2025-08 | $25.17M | $12.52M | $37.68M | 40.6% | 1 | Normal |
| 2025-07 | $21.47M | $16.63M | $38.11M | 42.6% | 1 | Normal |