Evergreen Agro Inc
CIF-00260 · U75259AU2014PLC100260 · Financial Services · Public Sector · Australia
RM: Isabella Williams
Credit Risk Manager: Ava Johnson
Exposure: $3.32M
CBRB: Normal
Internal: OLEM
Risk Score:48 · Medium
Total Exposure
$3.32M
Prev: $3.34M0.7%
Utilization
65.5%
Prev: 63.7%1.8pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
OLEM
Prev: Normal
Open Alerts
4
C 0
H 1
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
No rating changes in the last 24 months. Currently Normal.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/4/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Open | Matthew Sanchez | — |
| 6/8/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Dismissed | Olivia Taylor | — |
| 2/28/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Open | Andrew Garcia | — |
| 5/25/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Open | Ava Johnson | — |
| 1/27/2026 | Rating Upgrade | Low | Borrower rating improved to Normal. | In Review | Andrew Garcia | — |
AI Risk Score
48
/ 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+16
CBRB Rating Migration+15
Banking Relationship Growth+15
Internal Rating Drift+12
Industry Concentration+11
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure decreased by 0.7% month-over-month, currently at $3.32M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 65.5%. 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
Isabella Williams
isabella.williams@bank.com
+1 555 0110
Portfolio: $2.11B
Credit Risk Manager
Ava Johnson
ava.johnson@bank.com
+1 555 0198
Portfolio: $1.94B
Business Head
Grace Lee
grace.lee@bank.com
+1 555 0264
Portfolio: $2.12B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $1.90M | $1.41M | $3.32M | 65.5% | 5 | Normal |
| 2026-05 | $2.02M | $1.32M | $3.34M | 63.7% | 5 | Normal |
| 2026-04 | $2.08M | $1.15M | $3.22M | 68.2% | 5 | Normal |
| 2026-03 | $2.18M | $1.21M | $3.39M | 68.2% | 5 | Normal |
| 2026-02 | $2.11M | $1.27M | $3.37M | 64.9% | 5 | Normal |
| 2026-01 | $2.09M | $1.45M | $3.54M | 60.3% | 5 | Normal |
| 2025-12 | $2.19M | $1.17M | $3.36M | 58.0% | 5 | Normal |
| 2025-11 | $1.78M | $1.51M | $3.28M | 62.0% | 5 | Normal |
| 2025-10 | $1.85M | $1.22M | $3.08M | 64.2% | 5 | Normal |
| 2025-09 | $1.62M | $1.41M | $3.03M | 65.1% | 6 | Normal |
| 2025-08 | $1.85M | $1.00M | $2.86M | 65.8% | 6 | Normal |
| 2025-07 | $1.85M | $1.05M | $2.90M | 71.1% | 6 | Normal |