Highland Technologies Co.
CIF-00459 · U75458JA2014PLC100459 · Construction · SME · Japan
RM: Matthew Sanchez
Credit Risk Manager: Ryan Harris
Exposure: $26.24M
CBRB: Doubtful
Internal: Loss
Risk Score:96 · Critical
Total Exposure
$26.24M
Prev: $26.52M1.1%
Utilization
47.6%
Prev: 48.8%1.2pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
Doubtful
Prev: Doubtful
Internal Rating
Loss
Prev: Doubtful
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
2024-07
SubstandardStart
2024-12
DoubtfulDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/11/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | In Review | Isabella Williams | — |
| 12/22/2025 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | In Review | Harper Davis | — |
| 2/18/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Daniel Martin | — |
AI Risk Score
96
/ 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
Industry Concentration+16
Banking Relationship Growth+15
Utilization Level+12
Internal Rating Drift+12
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure decreased by 1.1% month-over-month, currently at $26.24M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating remained stable from Doubtful to Doubtful. Current utilization is 47.6%. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
CriticalInitiate 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 | $14.50M | $11.74M | $26.24M | 47.6% | 5 | Doubtful |
| 2026-05 | $14.40M | $12.12M | $26.52M | 48.8% | 5 | Doubtful |
| 2026-04 | $15.69M | $11.97M | $27.66M | 53.3% | 5 | Doubtful |
| 2026-03 | $17.06M | $10.45M | $27.51M | 57.9% | 5 | Doubtful |
| 2026-02 | $15.13M | $10.92M | $26.05M | 52.4% | 5 | Doubtful |
| 2026-01 | $16.17M | $9.21M | $25.38M | 47.2% | 5 | Doubtful |
| 2025-12 | $14.44M | $10.56M | $25.00M | 49.9% | 5 | Doubtful |
| 2025-11 | $15.82M | $8.58M | $24.41M | 46.9% | 5 | Doubtful |
| 2025-10 | $13.78M | $10.32M | $24.10M | 48.7% | 5 | Doubtful |
| 2025-09 | $14.00M | $10.56M | $24.56M | 43.2% | 5 | Doubtful |
| 2025-08 | $14.64M | $10.51M | $25.16M | 48.5% | 5 | Doubtful |
| 2025-07 | $14.03M | $10.22M | $24.25M | 48.6% | 5 | Doubtful |