Pacific Hospitality Inc
CIF-00454 · U75453UK2014PLC100454 · Agriculture · Public Sector · UK
RM: Emily Martinez
Credit Risk Manager: Mia Rodriguez
Exposure: $28.93M
CBRB: OLEM
Internal: OLEM
Risk Score:41 · Medium
Total Exposure
$28.93M
Prev: $27.55M5.0%
Utilization
47.6%
Prev: 49.2%1.6pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
OLEM
Prev: OLEM
Open Alerts
4
C 1
H 1
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
2024-07
NormalStart
2025-04
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 3/26/2026 | Rating Upgrade | Medium | Borrower rating improved to OLEM. | In Review | Emily Martinez | — |
| 12/19/2025 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Sarah Brown | — |
| 2/10/2026 | Rating Upgrade | Medium | Borrower rating improved to OLEM. | Open | Charlotte Perez | — |
| 2/17/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Resolved | Matthew Sanchez | 2/17/2026 |
| 6/11/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Harper Davis | — |
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
CBRB Rating Migration+21
Utilization Level+12
Industry Concentration+12
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 5.0% month-over-month, currently at $28.93M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 47.6%. 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
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 | $15.25M | $13.68M | $28.93M | 47.6% | 4 | OLEM |
| 2026-05 | $17.73M | $9.83M | $27.55M | 49.2% | 4 | OLEM |
| 2026-04 | $16.67M | $10.40M | $27.07M | 48.0% | 4 | OLEM |
| 2026-03 | $18.65M | $9.50M | $28.15M | 44.1% | 4 | OLEM |
| 2026-02 | $19.00M | $9.35M | $28.35M | 44.9% | 4 | OLEM |
| 2026-01 | $15.50M | $12.42M | $27.92M | 40.8% | 4 | OLEM |
| 2025-12 | $17.86M | $9.37M | $27.23M | 38.4% | 3 | OLEM |
| 2025-11 | $15.49M | $12.23M | $27.71M | 41.6% | 3 | OLEM |
| 2025-10 | $17.16M | $10.78M | $27.94M | 39.7% | 3 | OLEM |
| 2025-09 | $17.92M | $9.06M | $26.98M | 41.6% | 3 | OLEM |
| 2025-08 | $16.79M | $8.49M | $25.28M | 47.5% | 3 | OLEM |
| 2025-07 | $15.42M | $9.56M | $24.97M | 48.5% | 3 | OLEM |