Highland Group PLC
CIF-00332 · U75331CA2014PLC100332 · Construction · Micro Enterprise · Canada
RM: Daniel Martin
Credit Risk Manager: Joseph Jackson
Exposure: $54.42M
CBRB: Normal
Internal: OLEM
Risk Score:38 · Medium
Total Exposure
$54.42M
Prev: $50.88M7.0%
Utilization
72.3%
Prev: 77.5%5.2pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
OLEM
Prev: Normal
Open Alerts
3
C 0
H 1
M 1
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 · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/5/2026 | Rating Upgrade | Low | Borrower rating improved to Normal. | In Review | Jacob Moore | — |
| 6/4/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Open | Charlotte Perez | — |
| 3/8/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Mia Rodriguez | — |
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
Utilization Level+18
CBRB Rating Migration+15
Industry Concentration+12
Internal Rating Drift+12
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 7.0% month-over-month, currently at $54.42M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 72.3% — 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
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 | $31.57M | $22.85M | $54.42M | 72.3% | 1 | Normal |
| 2026-05 | $32.57M | $18.31M | $50.88M | 77.5% | 1 | Normal |
| 2026-04 | $34.67M | $18.43M | $53.09M | 73.7% | 1 | Normal |
| 2026-03 | $34.68M | $18.18M | $52.86M | 73.5% | 1 | Normal |
| 2026-02 | $31.15M | $23.00M | $54.15M | 70.1% | 1 | Normal |
| 2026-01 | $31.33M | $21.54M | $52.87M | 66.8% | 1 | Normal |
| 2025-12 | $34.57M | $17.15M | $51.72M | 65.1% | 1 | Normal |
| 2025-11 | $29.06M | $24.97M | $54.02M | 67.0% | 1 | Normal |
| 2025-10 | $37.95M | $18.52M | $56.47M | 67.6% | 1 | Normal |
| 2025-09 | $34.68M | $20.28M | $54.96M | 63.5% | 1 | Normal |
| 2025-08 | $30.22M | $21.67M | $51.89M | 67.3% | 1 | Normal |
| 2025-07 | $32.32M | $18.97M | $51.29M | 64.3% | 1 | Normal |