Royal Construction SA
CIF-00409 · U75408US2014PLC100409 · Agriculture · Commercial · USA
RM: Matthew Sanchez
Credit Risk Manager: Ryan Harris
Exposure: $49.00M
CBRB: Normal
Internal: OLEM
Risk Score:41 · Medium
Total Exposure
$49.00M
Prev: $47.63M2.9%
Utilization
65.3%
Prev: 59.8%5.5pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
OLEM
Prev: Normal
Open Alerts
4
C 0
H 2
M 0
L 2
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 · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 2/11/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Dismissed | James Smith | — |
| 5/30/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Open | Ava Johnson | — |
| 1/5/2026 | Rating Downgrade | High | Borrower rating migrated from Normal to Normal. | Open | Benjamin Jones | — |
| 1/28/2026 | Rating Downgrade | High | Borrower rating migrated from Normal to Normal. | Open | Ava Johnson | — |
| 6/2/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Open | David Wilson | — |
AI Risk Score
41
/ 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+16
CBRB Rating Migration+15
Banking Relationship Growth+15
Industry Concentration+14
Internal Rating Drift+12
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 2.9% month-over-month, currently at $49.00M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 65.3%. 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
Matthew Sanchez
matthew.sanchez@bank.com
+1 555 0099
Portfolio: $2.20B
Credit Risk Manager
Ryan Harris
ryan.harris@bank.com
+1 555 0187
Portfolio: $1.96B
Business Head
Jacob Moore
jacob.moore@bank.com
+1 555 0253
Portfolio: $2.23B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $27.39M | $21.61M | $49.00M | 65.3% | 5 | Normal |
| 2026-05 | $32.11M | $15.52M | $47.63M | 59.8% | 5 | Normal |
| 2026-04 | $26.76M | $18.65M | $45.41M | 64.3% | 5 | Normal |
| 2026-03 | $29.46M | $15.62M | $45.08M | 62.7% | 5 | Normal |
| 2026-02 | $25.93M | $20.89M | $46.82M | 60.6% | 5 | Normal |
| 2026-01 | $25.09M | $18.76M | $43.86M | 66.2% | 5 | Normal |
| 2025-12 | $25.11M | $20.97M | $46.08M | 67.5% | 5 | Normal |
| 2025-11 | $31.69M | $16.02M | $47.71M | 66.0% | 4 | Normal |
| 2025-10 | $27.91M | $17.91M | $45.82M | 65.4% | 4 | Normal |
| 2025-09 | $31.18M | $16.13M | $47.31M | 64.5% | 4 | Normal |
| 2025-08 | $26.31M | $21.48M | $47.80M | 59.9% | 4 | Normal |
| 2025-07 | $29.54M | $15.42M | $44.95M | 58.3% | 4 | Normal |