Pioneer Construction SA
CIF-00187 · U75186UA2014PLC100187 · Transportation · Financial Institution · UAE
RM: Mia Rodriguez
Credit Risk Manager: Harper Davis
Exposure: $49.02M
CBRB: Substandard
Internal: OLEM
Risk Score:50 · Medium
Total Exposure
$49.02M
Prev: $48.91M0.2%
Utilization
7.9%
Prev: 10.5%2.6pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
OLEM
Prev: OLEM
Open Alerts
1
C 0
H 0
M 0
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
2025-03
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/7/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Resolved | Mia Rodriguez | 6/7/2026 |
| 1/5/2026 | Rating Upgrade | Low | Borrower rating improved to Substandard. | In Review | Charlotte Perez | — |
AI Risk Score
50
/ 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+27
Industry Concentration+10
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
Utilization Level+2
AI Risk Commentary
AI
Customer exposure increased by 0.2% month-over-month, currently at $49.02M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 7.9%. 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
Mia Rodriguez
mia.rodriguez@bank.com
+1 555 0132
Portfolio: $2.26B
Credit Risk Manager
Harper Davis
harper.davis@bank.com
+1 555 0220
Portfolio: $2.09B
Business Head
James Smith
james.smith@bank.com
+1 555 0011
Portfolio: $2.05B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $30.92M | $18.11M | $49.02M | 7.9% | 1 | Substandard |
| 2026-05 | $27.87M | $21.04M | $48.91M | 10.5% | 1 | Substandard |
| 2026-04 | $26.30M | $22.58M | $48.88M | 13.9% | 1 | Substandard |
| 2026-03 | $28.86M | $19.74M | $48.60M | 8.1% | 1 | Substandard |
| 2026-02 | $32.52M | $16.18M | $48.70M | 5.0% | 1 | Substandard |
| 2026-01 | $27.92M | $17.93M | $45.84M | 7.7% | 1 | Substandard |
| 2025-12 | $29.80M | $14.62M | $44.42M | 12.0% | 1 | Substandard |
| 2025-11 | $27.92M | $14.52M | $42.44M | 14.0% | 1 | Substandard |
| 2025-10 | $26.66M | $15.83M | $42.49M | 13.5% | 1 | Substandard |
| 2025-09 | $23.93M | $17.94M | $41.87M | 10.8% | 1 | Substandard |
| 2025-08 | $22.23M | $17.61M | $39.84M | 16.7% | 1 | Substandard |
| 2025-07 | $22.63M | $16.45M | $39.08M | 22.5% | 1 | Substandard |