Pioneer Trading LLC
CIF-00265 · U75264BR2014PLC100265 · Financial Services · SME · Brazil
RM: Joseph Jackson
Credit Risk Manager: Jacob Moore
Exposure: $48.79M
CBRB: Normal
Internal: OLEM
Risk Score:35 · Medium
Total Exposure
$48.79M
Prev: $46.17M5.7%
Utilization
75.9%
Prev: 81.8%5.9pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
OLEM
Prev: Normal
Open Alerts
0
C 0
H 0
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
NormalStart
2024-12
OLEMDowngrade
2025-01
NormalUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 1
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/6/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Resolved | Matthew Sanchez | 6/6/2026 |
AI Risk Score
35
/ 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+19
Industry Concentration+16
CBRB Rating Migration+15
Internal Rating Drift+12
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 5.7% month-over-month, currently at $48.79M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 75.9% — 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
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 | $31.12M | $17.67M | $48.79M | 75.9% | 2 | Normal |
| 2026-05 | $30.40M | $15.76M | $46.17M | 81.8% | 2 | Normal |
| 2026-04 | $24.67M | $19.37M | $44.04M | 81.8% | 2 | Normal |
| 2026-03 | $26.80M | $15.76M | $42.56M | 82.1% | 2 | Normal |
| 2026-02 | $21.02M | $18.94M | $39.96M | 78.8% | 2 | Normal |
| 2026-01 | $22.75M | $16.56M | $39.31M | 81.5% | 2 | Normal |
| 2025-12 | $20.82M | $18.24M | $39.06M | 78.1% | 2 | Normal |
| 2025-11 | $23.00M | $15.58M | $38.58M | 82.1% | 2 | Normal |
| 2025-10 | $22.08M | $16.86M | $38.94M | 84.9% | 2 | Normal |
| 2025-09 | $22.24M | $17.59M | $39.83M | 84.6% | 2 | Normal |
| 2025-08 | $25.74M | $13.16M | $38.90M | 81.6% | 2 | Normal |
| 2025-07 | $20.91M | $18.28M | $39.19M | 80.5% | 2 | Normal |