Coastal Properties PLC
CIF-00240 · U75239AU2014PLC100240 · Construction · Large Corporate · Australia
RM: Joseph Jackson
Credit Risk Manager: Jacob Moore
Exposure: $56.33M
CBRB: Loss
Internal: Loss
Risk Score:100 · Critical
Total Exposure
$56.33M
Prev: $53.79M4.7%
Utilization
88.9%
Prev: 85.0%3.9pp
Banking Relationships
7
Prev: 61.0
CBRB Rating
Loss
Prev: Loss
Internal Rating
Loss
Prev: Loss
Open Alerts
1
C 0
H 1
M 0
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
DoubtfulStart
2025-12
LossDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 3/5/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Open | Amelia Thomas | — |
| 1/8/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Dismissed | Sophia Thompson | — |
| 6/6/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Resolved | Emily Martinez | 6/6/2026 |
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+22
Banking Relationship Growth+15
Industry Concentration+10
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 4.7% month-over-month, currently at $56.33M. Banking relationships moved from 6 to 7 banks per CBRB data. CBRB rating remained stable from Loss to Loss. Current utilization is 88.9% — 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
Joseph Jackson
joseph.jackson@bank.com
+1 555 0165
Portfolio: $2.24B
Credit Risk Manager
Jacob Moore
jacob.moore@bank.com
+1 555 0253
Portfolio: $2.23B
Business Head
Emily Martinez
emily.martinez@bank.com
+1 555 0044
Portfolio: $2.24B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $33.70M | $22.63M | $56.33M | 88.9% | 7 | Loss |
| 2026-05 | $30.99M | $22.81M | $53.79M | 85.0% | 6 | Loss |
| 2026-04 | $29.13M | $24.62M | $53.75M | 83.6% | 6 | Loss |
| 2026-03 | $35.27M | $17.62M | $52.89M | 84.4% | 6 | Loss |
| 2026-02 | $31.52M | $22.17M | $53.69M | 88.8% | 6 | Loss |
| 2026-01 | $34.19M | $21.70M | $55.89M | 93.0% | 6 | Loss |
| 2025-12 | $30.82M | $21.45M | $52.27M | 90.2% | 5 | Loss |
| 2025-11 | $32.24M | $16.84M | $49.08M | 90.2% | 5 | Doubtful |
| 2025-10 | $29.79M | $19.33M | $49.13M | 87.1% | 5 | Doubtful |
| 2025-09 | $25.65M | $21.26M | $46.91M | 88.2% | 5 | Doubtful |
| 2025-08 | $30.96M | $16.84M | $47.80M | 88.6% | 5 | Doubtful |
| 2025-07 | $26.61M | $19.49M | $46.10M | 84.5% | 5 | Doubtful |