Atlas Properties Ltd
CIF-00224 · U75223FR2014PLC100224 · Mining · SME · France
RM: Grace Lee
Credit Risk Manager: Daniel Martin
Exposure: $2.76M
CBRB: OLEM
Internal: Normal
Risk Score:60 · Medium
Total Exposure
$2.76M
Prev: $2.79M1.4%
Utilization
96.1%
Prev: 98.7%2.6pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
OLEM
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
2
C 1
H 0
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
2026-04
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/26/2026 | Rating Downgrade | High | Borrower rating migrated from Normal to OLEM. | Dismissed | Jacob Moore | — |
| 1/5/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Open | Nathan Hernandez | — |
| 6/3/2026 | Rating Downgrade | Critical | Borrower rating migrated from Normal to OLEM. | In Review | Andrew Garcia | — |
AI Risk Score
60
/ 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
Utilization Level+24
CBRB Rating Migration+21
Industry Concentration+14
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 1.4% month-over-month, currently at $2.76M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating deteriorated from Normal to OLEM. Current utilization is 96.1% — above the 70% early warning threshold. Overall borrower risk is assessed as medium.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Grace Lee
grace.lee@bank.com
+1 555 0264
Portfolio: $2.12B
Credit Risk Manager
Daniel Martin
daniel.martin@bank.com
+1 555 0077
Portfolio: $2.17B
Business Head
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $1.83M | $922.8K | $2.76M | 96.1% | 2 | OLEM |
| 2026-05 | $1.73M | $1.06M | $2.79M | 98.7% | 2 | OLEM |
| 2026-04 | $1.67M | $1.14M | $2.82M | 96.0% | 2 | OLEM |
| 2026-03 | $1.77M | $1.01M | $2.79M | 91.7% | 2 | Normal |
| 2026-02 | $1.53M | $1.12M | $2.65M | 92.1% | 2 | Normal |
| 2026-01 | $1.66M | $919.9K | $2.58M | 91.7% | 2 | Normal |
| 2025-12 | $1.56M | $1.05M | $2.61M | 94.7% | 2 | Normal |
| 2025-11 | $1.54M | $994.8K | $2.53M | 92.5% | 2 | Normal |
| 2025-10 | $1.44M | $977.6K | $2.42M | 97.0% | 2 | Normal |
| 2025-09 | $1.44M | $876.7K | $2.32M | 93.4% | 2 | Normal |
| 2025-08 | $1.37M | $996.9K | $2.36M | 92.1% | 2 | Normal |
| 2025-07 | $1.51M | $801.4K | $2.31M | 97.2% | 2 | Normal |