Pioneer Hospitality Co.
CIF-00307 · U75306JA2014PLC100307 · Manufacturing · SME · Japan
RM: Daniel Martin
Credit Risk Manager: Joseph Jackson
Exposure: $41.23M
CBRB: OLEM
Internal: Normal
Risk Score:46 · Medium
Total Exposure
$41.23M
Prev: $40.44M2.0%
Utilization
58.9%
Prev: 57.3%1.6pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
Normal
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
No rating changes in the last 24 months. Currently OLEM.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/3/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Resolved | Olivia Taylor | 6/3/2026 |
| 1/11/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Dismissed | Benjamin Jones | — |
| 4/4/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Resolved | Ryan Harris | 4/4/2026 |
AI Risk Score
46
/ 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
Utilization Level+15
Industry Concentration+9
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 2.0% month-over-month, currently at $41.23M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 58.9%. 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
Daniel Martin
daniel.martin@bank.com
+1 555 0077
Portfolio: $2.17B
Credit Risk Manager
Joseph Jackson
joseph.jackson@bank.com
+1 555 0165
Portfolio: $2.24B
Business Head
Nathan Hernandez
nathan.hernandez@bank.com
+1 555 0231
Portfolio: $1.79B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $26.39M | $14.84M | $41.23M | 58.9% | 4 | OLEM |
| 2026-05 | $24.44M | $16.00M | $40.44M | 57.3% | 4 | OLEM |
| 2026-04 | $24.11M | $14.65M | $38.76M | 52.8% | 4 | OLEM |
| 2026-03 | $22.27M | $14.61M | $36.88M | 58.0% | 4 | OLEM |
| 2026-02 | $22.45M | $12.76M | $35.21M | 57.0% | 4 | OLEM |
| 2026-01 | $23.95M | $12.97M | $36.92M | 61.1% | 4 | OLEM |
| 2025-12 | $22.59M | $12.95M | $35.54M | 61.3% | 5 | OLEM |
| 2025-11 | $20.58M | $16.17M | $36.74M | 63.0% | 5 | OLEM |
| 2025-10 | $20.51M | $18.13M | $38.65M | 64.9% | 5 | OLEM |
| 2025-09 | $26.68M | $13.51M | $40.18M | 59.7% | 6 | OLEM |
| 2025-08 | $22.64M | $18.61M | $41.24M | 57.1% | 6 | OLEM |
| 2025-07 | $24.81M | $16.04M | $40.85M | 53.4% | 6 | OLEM |