Pacific Agro Group
CIF-00355 · U75354US2014PLC100355 · Agriculture · Mid Corporate · USA
RM: David Wilson
Credit Risk Manager: Christopher Lopez
Exposure: $55.21M
CBRB: OLEM
Internal: Normal
Risk Score:45 · Medium
Total Exposure
$55.21M
Prev: $53.27M3.6%
Utilization
38.2%
Prev: 36.0%2.2pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
OLEM
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
1
C 0
H 0
M 1
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
2026-06
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/4/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Resolved | Isabella Williams | 6/4/2026 |
| 1/29/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Open | Olivia Taylor | — |
AI Risk Score
45
/ 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+10
Industry Concentration+8
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 3.6% month-over-month, currently at $55.21M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating deteriorated from Normal to OLEM. Current utilization is 38.2%. 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
David Wilson
david.wilson@bank.com
+1 555 0055
Portfolio: $2.35B
Credit Risk Manager
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
Business Head
Benjamin Jones
benjamin.jones@bank.com
+1 555 0209
Portfolio: $2.38B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $36.57M | $18.63M | $55.21M | 38.2% | 2 | OLEM |
| 2026-05 | $28.61M | $24.66M | $53.27M | 36.0% | 2 | Normal |
| 2026-04 | $28.16M | $23.79M | $51.95M | 35.1% | 2 | Normal |
| 2026-03 | $31.87M | $17.50M | $49.37M | 33.6% | 2 | Normal |
| 2026-02 | $31.65M | $19.88M | $51.53M | 36.0% | 3 | Normal |
| 2026-01 | $30.50M | $22.01M | $52.50M | 38.4% | 3 | Normal |
| 2025-12 | $28.52M | $25.47M | $53.99M | 39.9% | 3 | Normal |
| 2025-11 | $29.64M | $24.27M | $53.91M | 37.7% | 3 | Normal |
| 2025-10 | $35.14M | $17.59M | $52.73M | 32.9% | 3 | Normal |
| 2025-09 | $28.18M | $21.47M | $49.65M | 29.8% | 3 | Normal |
| 2025-08 | $27.17M | $21.14M | $48.31M | 31.3% | 3 | Normal |
| 2025-07 | $28.17M | $20.12M | $48.30M | 31.1% | 3 | Normal |