Evergreen Construction SA
CIF-00218 · U75217GE2014PLC100218 · Energy & Utilities · Mid Corporate · Germany
RM: Ava Johnson
Credit Risk Manager: James Smith
Exposure: $25.66M
CBRB: Loss
Internal: Loss
Risk Score:100 · Critical
Total Exposure
$25.66M
Prev: $25.83M0.7%
Utilization
91.1%
Prev: 92.4%1.3pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Loss
Prev: Doubtful
Internal Rating
Loss
Prev: Loss
Open Alerts
2
C 0
H 0
M 2
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
SubstandardStart
2025-10
DoubtfulDowngrade
2026-06
LossDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/1/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Open | Olivia Taylor | — |
| 5/28/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Resolved | Amelia Thomas | 5/28/2026 |
| 12/18/2025 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Open | Andrew Garcia | — |
| 1/22/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Dismissed | David Wilson | — |
AI Risk Score
100
/ 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+39
Utilization Level+23
Industry Concentration+15
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 0.7% month-over-month, currently at $25.66M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating deteriorated from Doubtful to Loss. Current utilization is 91.1% — above the 70% early warning threshold. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Ava Johnson
ava.johnson@bank.com
+1 555 0198
Portfolio: $1.94B
Credit Risk Manager
James Smith
james.smith@bank.com
+1 555 0011
Portfolio: $2.05B
Business Head
Daniel Martin
daniel.martin@bank.com
+1 555 0077
Portfolio: $2.17B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $16.98M | $8.68M | $25.66M | 91.1% | 2 | Loss |
| 2026-05 | $15.00M | $10.83M | $25.83M | 92.4% | 2 | Doubtful |
| 2026-04 | $15.94M | $10.18M | $26.11M | 96.7% | 2 | Doubtful |
| 2026-03 | $14.28M | $11.94M | $26.22M | 95.4% | 2 | Doubtful |
| 2026-02 | $13.56M | $11.74M | $25.30M | 94.4% | 2 | Doubtful |
| 2026-01 | $15.82M | $9.99M | $25.80M | 93.3% | 2 | Doubtful |
| 2025-12 | $14.88M | $9.75M | $24.63M | 93.0% | 2 | Doubtful |
| 2025-11 | $16.87M | $8.77M | $25.63M | 98.0% | 2 | Doubtful |
| 2025-10 | $15.87M | $10.85M | $26.72M | 92.7% | 2 | Doubtful |
| 2025-09 | $14.73M | $12.25M | $26.98M | 89.8% | 2 | Substandard |
| 2025-08 | $16.77M | $10.20M | $26.96M | 87.2% | 2 | Substandard |
| 2025-07 | $14.94M | $12.62M | $27.56M | 82.8% | 2 | Substandard |