Silverline Trading Group
CIF-00175 · U75174JA2014PLC100175 · Construction · Trade Finance · Japan
RM: Lucas White
Credit Risk Manager: Sophia Thompson
Exposure: $24.64M
CBRB: OLEM
Internal: Normal
Risk Score:65 · High
Total Exposure
$24.64M
Prev: $24.02M2.6%
Utilization
90.3%
Prev: 95.3%5.0pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
Normal
Prev: Normal
Open Alerts
4
C 1
H 0
M 2
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
OLEMStart
2024-08
NormalUpgrade
2025-11
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/10/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | In Review | Daniel Martin | — |
| 4/25/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | In Review | Charlotte Perez | — |
| 5/23/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | Daniel Martin | — |
| 3/25/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Open | Ava Johnson | — |
AI Risk Score
65
/ 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
Utilization Level+23
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 increased by 2.6% month-over-month, currently at $24.64M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 90.3% — 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
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
Credit Risk Manager
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
Business Head
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $14.40M | $10.24M | $24.64M | 90.3% | 2 | OLEM |
| 2026-05 | $13.97M | $10.04M | $24.02M | 95.3% | 2 | OLEM |
| 2026-04 | $12.97M | $10.35M | $23.31M | 94.3% | 2 | OLEM |
| 2026-03 | $15.17M | $7.48M | $22.66M | 95.2% | 2 | OLEM |
| 2026-02 | $13.48M | $8.96M | $22.44M | 95.0% | 2 | OLEM |
| 2026-01 | $12.55M | $9.31M | $21.86M | 90.6% | 3 | OLEM |
| 2025-12 | $12.92M | $9.79M | $22.71M | 88.8% | 3 | OLEM |
| 2025-11 | $12.47M | $9.13M | $21.60M | 93.2% | 3 | OLEM |
| 2025-10 | $12.86M | $7.62M | $20.47M | 99.0% | 3 | Normal |
| 2025-09 | $12.40M | $6.87M | $19.28M | 99.0% | 3 | Normal |
| 2025-08 | $12.06M | $6.47M | $18.53M | 97.4% | 3 | Normal |
| 2025-07 | $10.00M | $7.72M | $17.72M | 99.0% | 3 | Normal |