Goldcrest Agro SA
CIF-00180 · U75179UA2014PLC100180 · Information Technology · Project Finance · UAE
RM: David Wilson
Credit Risk Manager: Christopher Lopez
Exposure: $45.79M
CBRB: Doubtful
Internal: Doubtful
Risk Score:84 · Critical
Total Exposure
$45.79M
Prev: $44.64M2.6%
Utilization
45.8%
Prev: 42.1%3.7pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Doubtful
Prev: Doubtful
Internal Rating
Doubtful
Prev: Doubtful
Open Alerts
2
C 0
H 1
M 1
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
2025-08
OLEMDowngrade
2025-10
SubstandardDowngrade
2025-12
DoubtfulDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/9/2026 | Rating Downgrade | High | Borrower rating migrated from Doubtful to Doubtful. | Dismissed | James Smith | — |
| 4/13/2026 | Rating Upgrade | Medium | Borrower rating improved to Doubtful. | In Review | Nathan Hernandez | — |
| 4/2/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Resolved | Jacob Moore | 4/2/2026 |
| 4/2/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Christopher Lopez | — |
AI Risk Score
84
/ 100
Critical 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+33
Industry Concentration+14
Utilization Level+11
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 $45.79M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating remained stable from Doubtful to Doubtful. Current utilization is 45.8%. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
CriticalInitiate 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 | $29.11M | $16.69M | $45.79M | 45.8% | 4 | Doubtful |
| 2026-05 | $29.29M | $15.35M | $44.64M | 42.1% | 4 | Doubtful |
| 2026-04 | $28.42M | $15.45M | $43.87M | 43.4% | 4 | Doubtful |
| 2026-03 | $27.60M | $17.34M | $44.94M | 48.9% | 4 | Doubtful |
| 2026-02 | $29.27M | $15.36M | $44.64M | 52.4% | 4 | Doubtful |
| 2026-01 | $26.81M | $15.88M | $42.69M | 56.3% | 4 | Doubtful |
| 2025-12 | $24.55M | $19.15M | $43.71M | 59.2% | 4 | Doubtful |
| 2025-11 | $24.64M | $17.80M | $42.44M | 61.4% | 4 | Substandard |
| 2025-10 | $24.29M | $18.10M | $42.39M | 55.5% | 4 | Substandard |
| 2025-09 | $27.46M | $13.82M | $41.28M | 59.3% | 4 | OLEM |
| 2025-08 | $25.04M | $17.30M | $42.34M | 60.4% | 4 | OLEM |
| 2025-07 | $23.20M | $19.40M | $42.60M | 56.3% | 4 | Normal |