Stonegate Ventures Inc
CIF-00469 · U75468GE2014PLC100469 · Hospitality · Micro Enterprise · Germany
RM: Benjamin Jones
Credit Risk Manager: Sarah Brown
Exposure: $20.92M
CBRB: Normal
Internal: OLEM
Risk Score:43 · Medium
Total Exposure
$20.92M
Prev: $19.80M5.7%
Utilization
78.5%
Prev: 83.8%5.3pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
OLEM
Prev: Normal
Open Alerts
3
C 0
H 1
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 · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/28/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Dismissed | Michael Miller | — |
| 3/25/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Open | Jacob Moore | — |
| 4/10/2026 | Rating Downgrade | High | Borrower rating migrated from Normal to Normal. | Open | Andrew Garcia | — |
| 6/3/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Open | Andrew Garcia | — |
AI Risk Score
43
/ 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+20
CBRB Rating Migration+15
Industry Concentration+15
Internal Rating Drift+12
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 5.7% month-over-month, currently at $20.92M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 78.5% — above the 70% early warning threshold. Overall borrower risk is assessed as medium.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Benjamin Jones
benjamin.jones@bank.com
+1 555 0209
Portfolio: $2.38B
Credit Risk Manager
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
Business Head
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $14.11M | $6.80M | $20.92M | 78.5% | 3 | Normal |
| 2026-05 | $12.87M | $6.93M | $19.80M | 83.8% | 3 | Normal |
| 2026-04 | $12.94M | $6.33M | $19.27M | 85.7% | 3 | Normal |
| 2026-03 | $11.52M | $8.55M | $20.07M | 83.1% | 3 | Normal |
| 2026-02 | $13.00M | $7.57M | $20.57M | 88.1% | 3 | Normal |
| 2026-01 | $13.32M | $8.13M | $21.45M | 88.4% | 3 | Normal |
| 2025-12 | $11.61M | $9.71M | $21.32M | 88.0% | 3 | Normal |
| 2025-11 | $11.85M | $9.94M | $21.80M | 93.7% | 3 | Normal |
| 2025-10 | $13.34M | $9.18M | $22.53M | 92.4% | 3 | Normal |
| 2025-09 | $14.15M | $8.61M | $22.77M | 90.3% | 3 | Normal |
| 2025-08 | $14.31M | $9.56M | $23.87M | 86.2% | 3 | Normal |
| 2025-07 | $13.63M | $9.81M | $23.44M | 81.9% | 3 | Normal |