Crescent Enterprises LLC
CIF-00293 · U75292BR2014PLC100293 · Wholesale Trade · Public Sector · Brazil
RM: Ava Johnson
Credit Risk Manager: James Smith
Exposure: $8.39M
CBRB: OLEM
Internal: Substandard
Risk Score:38 · Medium
Total Exposure
$8.39M
Prev: $8.22M2.1%
Utilization
49.6%
Prev: 46.3%3.3pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
OLEM
Prev: Normal
Internal Rating
Substandard
Prev: Substandard
Open Alerts
6
C 0
H 4
M 2
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 · 7
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 2/7/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Open | Grace Lee | — |
| 2/19/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Open | Ella Anderson | — |
| 12/15/2025 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Open | Benjamin Jones | — |
| 5/7/2026 | Rating Downgrade | High | Borrower rating migrated from Normal to OLEM. | Open | Daniel Martin | — |
| 6/9/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Resolved | Ava Johnson | 6/9/2026 |
| 12/24/2025 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Michael Miller | — |
| 3/30/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Open | Ryan Harris | — |
AI Risk Score
38
/ 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
CBRB Rating Migration+21
Industry Concentration+16
Utilization Level+12
Internal Rating Drift+12
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 2.1% month-over-month, currently at $8.39M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating deteriorated from Normal to OLEM. Current utilization is 49.6%. 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
Ava Johnson
ava.johnson@bank.com
+1 555 0198
Portfolio: $1.94B
Credit Risk Manager
James Smith
james.smith@bank.com
+1 555 0011
Portfolio: $2.05B
Business Head
Daniel Martin
daniel.martin@bank.com
+1 555 0077
Portfolio: $2.17B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $4.73M | $3.66M | $8.39M | 49.6% | 2 | OLEM |
| 2026-05 | $5.06M | $3.16M | $8.22M | 46.3% | 2 | OLEM |
| 2026-04 | $4.68M | $3.03M | $7.71M | 44.5% | 2 | OLEM |
| 2026-03 | $4.37M | $3.19M | $7.55M | 45.8% | 2 | Normal |
| 2026-02 | $5.10M | $2.69M | $7.79M | 47.8% | 2 | Normal |
| 2026-01 | $4.44M | $2.86M | $7.30M | 49.4% | 2 | Normal |
| 2025-12 | $4.54M | $2.98M | $7.52M | 49.8% | 2 | Normal |
| 2025-11 | $5.20M | $2.59M | $7.79M | 53.6% | 2 | Normal |
| 2025-10 | $5.26M | $2.88M | $8.15M | 50.6% | 2 | Normal |
| 2025-09 | $4.46M | $3.45M | $7.91M | 46.9% | 2 | Normal |
| 2025-08 | $4.79M | $3.21M | $8.00M | 43.4% | 2 | Normal |
| 2025-07 | $4.34M | $3.66M | $8.00M | 48.2% | 2 | Normal |