Premier Holdings Inc
CIF-00329 · U75328UA2014PLC100329 · Transportation · SME · UAE
RM: Emily Martinez
Credit Risk Manager: Mia Rodriguez
Exposure: $41.27M
CBRB: Normal
Internal: OLEM
Risk Score:27 · Low
Total Exposure
$41.27M
Prev: $42.37M2.6%
Utilization
41.2%
Prev: 38.6%2.6pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
OLEM
Prev: Normal
Open Alerts
4
C 0
H 2
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
No rating changes in the last 24 months. Currently Normal.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 6
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 2/12/2026 | Rating Downgrade | High | Borrower rating migrated from Normal to Normal. | Open | Isabella Williams | — |
| 6/4/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | In Review | Ava Johnson | — |
| 3/20/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Dismissed | Isabella Williams | — |
| 2/15/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | Charlotte Perez | — |
| 5/12/2026 | Rating Downgrade | High | Borrower rating migrated from Normal to Normal. | Dismissed | Daniel Martin | — |
| 5/6/2026 | Rating Downgrade | High | Borrower rating migrated from Normal to Normal. | Open | Sarah Brown | — |
AI Risk Score
27
/ 100
Low 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+15
Internal Rating Drift+12
Utilization Level+10
Industry Concentration+8
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure decreased by 2.6% month-over-month, currently at $41.27M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 41.2%. Overall borrower risk is assessed as low.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Emily Martinez
emily.martinez@bank.com
+1 555 0044
Portfolio: $2.24B
Credit Risk Manager
Mia Rodriguez
mia.rodriguez@bank.com
+1 555 0132
Portfolio: $2.26B
Business Head
Ava Johnson
ava.johnson@bank.com
+1 555 0198
Portfolio: $1.94B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $22.24M | $19.03M | $41.27M | 41.2% | 3 | Normal |
| 2026-05 | $28.04M | $14.33M | $42.37M | 38.6% | 3 | Normal |
| 2026-04 | $22.05M | $19.37M | $41.43M | 40.0% | 3 | Normal |
| 2026-03 | $23.16M | $18.81M | $41.97M | 34.8% | 3 | Normal |
| 2026-02 | $23.21M | $19.71M | $42.92M | 36.9% | 3 | Normal |
| 2026-01 | $25.15M | $20.03M | $45.18M | 38.4% | 3 | Normal |
| 2025-12 | $26.36M | $17.59M | $43.95M | 33.2% | 3 | Normal |
| 2025-11 | $26.63M | $19.21M | $45.84M | 37.5% | 3 | Normal |
| 2025-10 | $24.37M | $19.04M | $43.41M | 34.4% | 3 | Normal |
| 2025-09 | $22.99M | $18.15M | $41.14M | 35.5% | 3 | Normal |
| 2025-08 | $23.87M | $15.40M | $39.27M | 35.0% | 3 | Normal |
| 2025-07 | $25.76M | $14.56M | $40.32M | 33.9% | 3 | Normal |