Beacon Resources LLC
CIF-00456 · U75455GE2014PLC100456 · Agriculture · Project Finance · Germany
RM: Olivia Taylor
Credit Risk Manager: Amelia Thomas
Exposure: $40.56M
CBRB: Doubtful
Internal: Substandard
Risk Score:98 · Critical
Total Exposure
$40.56M
Prev: $38.90M4.3%
Utilization
80.6%
Prev: 76.6%4.0pp
Banking Relationships
5
Prev: 41.0
CBRB Rating
Doubtful
Prev: Substandard
Internal Rating
Substandard
Prev: Substandard
Open Alerts
2
C 0
H 1
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
2025-07
OLEMDowngrade
2025-08
SubstandardDowngrade
2026-05
DoubtfulDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/8/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | In Review | Sophia Thompson | — |
| 6/11/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Resolved | Grace Lee | 6/11/2026 |
| 1/15/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Open | Matthew Sanchez | — |
AI Risk Score
98
/ 100
Critical 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+33
Utilization Level+20
Banking Relationship Growth+15
Industry Concentration+10
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 4.3% month-over-month, currently at $40.56M. Banking relationships moved from 4 to 5 banks per CBRB data. CBRB rating deteriorated from Substandard to Doubtful. Current utilization is 80.6% — above the 70% early warning threshold. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Olivia Taylor
olivia.taylor@bank.com
+1 555 0066
Portfolio: $2.26B
Credit Risk Manager
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
Business Head
Harper Davis
harper.davis@bank.com
+1 555 0220
Portfolio: $2.09B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $22.25M | $18.32M | $40.56M | 80.6% | 5 | Doubtful |
| 2026-05 | $22.87M | $16.04M | $38.90M | 76.6% | 4 | Doubtful |
| 2026-04 | $19.96M | $16.47M | $36.43M | 72.0% | 4 | Substandard |
| 2026-03 | $20.15M | $14.19M | $34.34M | 75.7% | 4 | Substandard |
| 2026-02 | $20.20M | $13.76M | $33.97M | 74.4% | 5 | Substandard |
| 2026-01 | $20.00M | $12.09M | $32.09M | 70.0% | 5 | Substandard |
| 2025-12 | $19.51M | $13.69M | $33.20M | 71.1% | 5 | Substandard |
| 2025-11 | $20.54M | $13.84M | $34.38M | 67.6% | 5 | Substandard |
| 2025-10 | $22.03M | $13.50M | $35.53M | 65.1% | 5 | Substandard |
| 2025-09 | $21.30M | $14.30M | $35.60M | 61.7% | 5 | Substandard |
| 2025-08 | $20.90M | $13.93M | $34.83M | 64.4% | 5 | Substandard |
| 2025-07 | $23.24M | $11.32M | $34.55M | 59.4% | 5 | OLEM |