Bluewave Properties SA
CIF-00476 · U75475GE2014PLC100476 · Transportation · Commercial · Germany
RM: James Smith
Credit Risk Manager: Matthew Sanchez
Exposure: $29.55M
CBRB: Substandard
Internal: Doubtful
Risk Score:68 · High
Total Exposure
$29.55M
Prev: $30.28M2.4%
Utilization
38.0%
Prev: 42.0%4.0pp
Banking Relationships
6
Prev: 60.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
Doubtful
Prev: Substandard
Open Alerts
0
C 0
H 0
M 0
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
DoubtfulStart
2025-07
SubstandardUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 1
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/9/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Dismissed | Amelia Thomas | — |
AI Risk Score
68
/ 100
High 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+27
Banking Relationship Growth+15
Internal Rating Drift+12
Utilization Level+10
Industry Concentration+10
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure decreased by 2.4% month-over-month, currently at $29.55M. Banking relationships moved from 6 to 6 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 38.0%. Overall borrower risk is assessed as high.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
James Smith
james.smith@bank.com
+1 555 0011
Portfolio: $2.05B
Credit Risk Manager
Matthew Sanchez
matthew.sanchez@bank.com
+1 555 0099
Portfolio: $2.20B
Business Head
Joseph Jackson
joseph.jackson@bank.com
+1 555 0165
Portfolio: $2.24B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $16.54M | $13.01M | $29.55M | 38.0% | 6 | Substandard |
| 2026-05 | $18.98M | $11.30M | $30.28M | 42.0% | 6 | Substandard |
| 2026-04 | $16.70M | $12.89M | $29.59M | 40.2% | 7 | Substandard |
| 2026-03 | $19.88M | $10.04M | $29.92M | 45.1% | 7 | Substandard |
| 2026-02 | $20.12M | $11.18M | $31.30M | 50.2% | 7 | Substandard |
| 2026-01 | $18.71M | $13.02M | $31.72M | 52.1% | 7 | Substandard |
| 2025-12 | $16.32M | $14.62M | $30.94M | 54.5% | 7 | Substandard |
| 2025-11 | $16.20M | $13.62M | $29.82M | 54.6% | 7 | Substandard |
| 2025-10 | $15.87M | $13.48M | $29.35M | 51.3% | 7 | Substandard |
| 2025-09 | $16.08M | $12.71M | $28.79M | 47.9% | 7 | Substandard |
| 2025-08 | $18.67M | $9.73M | $28.40M | 47.3% | 8 | Substandard |
| 2025-07 | $16.61M | $12.63M | $29.24M | 42.6% | 8 | Substandard |