Citadel Energy Ltd
CIF-00219 · U75218AU2014PLC100219 · Transportation · Financial Institution · Australia
RM: Benjamin Jones
Credit Risk Manager: Sarah Brown
Exposure: $7.98M
CBRB: Substandard
Internal: Substandard
Risk Score:78 · High
Total Exposure
$7.98M
Prev: $8.30M3.8%
Utilization
80.3%
Prev: 76.3%4.0pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
Substandard
Prev: OLEM
Open Alerts
3
C 0
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
2024-10
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/6/2026 | Rating Downgrade | Critical | Borrower rating migrated from Substandard to Substandard. | Resolved | Ryan Harris | 6/6/2026 |
| 12/30/2025 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | Ryan Harris | — |
| 12/21/2025 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Open | David Wilson | — |
| 5/5/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Open | Amelia Thomas | — |
AI Risk Score
78
/ 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
CBRB Rating Migration+27
Utilization Level+20
Banking Relationship Growth+15
Industry Concentration+13
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 3.8% month-over-month, currently at $7.98M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 80.3% — above the 70% early warning threshold. Overall borrower risk is assessed as high. 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
Benjamin Jones
benjamin.jones@bank.com
+1 555 0209
Portfolio: $2.38B
Credit Risk Manager
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
Business Head
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $4.84M | $3.14M | $7.98M | 80.3% | 5 | Substandard |
| 2026-05 | $4.61M | $3.69M | $8.30M | 76.3% | 5 | Substandard |
| 2026-04 | $4.89M | $3.03M | $7.93M | 76.7% | 5 | Substandard |
| 2026-03 | $4.49M | $3.73M | $8.23M | 82.4% | 5 | Substandard |
| 2026-02 | $4.99M | $3.54M | $8.53M | 78.7% | 5 | Substandard |
| 2026-01 | $5.17M | $3.48M | $8.65M | 76.0% | 6 | Substandard |
| 2025-12 | $5.21M | $3.51M | $8.72M | 75.1% | 6 | Substandard |
| 2025-11 | $4.65M | $3.99M | $8.64M | 75.3% | 6 | Substandard |
| 2025-10 | $5.01M | $3.89M | $8.90M | 75.8% | 6 | Substandard |
| 2025-09 | $5.99M | $3.28M | $9.27M | 80.0% | 6 | Substandard |
| 2025-08 | $4.60M | $4.07M | $8.67M | 76.8% | 6 | Substandard |
| 2025-07 | $5.02M | $3.23M | $8.25M | 75.5% | 6 | Substandard |