Granite Technologies SA
CIF-00482 · U75481US2014PLC100482 · Manufacturing · SME · USA
RM: Daniel Martin
Credit Risk Manager: Joseph Jackson
Exposure: $9.39M
CBRB: Loss
Internal: Doubtful
Risk Score:96 · Critical
Total Exposure
$9.39M
Prev: $9.36M0.3%
Utilization
46.1%
Prev: 51.6%5.5pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
Loss
Prev: Loss
Internal Rating
Doubtful
Prev: Substandard
Open Alerts
6
C 1
H 1
M 4
L 0
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 Loss.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 8
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 5/23/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | David Wilson | — |
| 6/4/2026 | Rating Downgrade | High | Borrower rating migrated from Loss to Loss. | Resolved | Michael Miller | 6/4/2026 |
| 3/6/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Resolved | Olivia Taylor | 3/6/2026 |
| 5/24/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Open | Ella Anderson | — |
| 6/4/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | In Review | James Smith | — |
| 5/5/2026 | Rating Downgrade | Critical | Borrower rating migrated from Loss to Loss. | In Review | Daniel Martin | — |
| 3/24/2026 | Rating Upgrade | Medium | Borrower rating improved to Loss. | Open | James Smith | — |
| 5/12/2026 | Rating Downgrade | High | Borrower rating migrated from Loss to Loss. | Open | Isabella Williams | — |
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+39
Industry Concentration+14
Utilization Level+12
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 0.3% month-over-month, currently at $9.39M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating remained stable from Loss to Loss. Current utilization is 46.1%. 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
Daniel Martin
daniel.martin@bank.com
+1 555 0077
Portfolio: $2.17B
Credit Risk Manager
Joseph Jackson
joseph.jackson@bank.com
+1 555 0165
Portfolio: $2.24B
Business Head
Nathan Hernandez
nathan.hernandez@bank.com
+1 555 0231
Portfolio: $1.79B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $6.01M | $3.38M | $9.39M | 46.1% | 3 | Loss |
| 2026-05 | $6.18M | $3.18M | $9.36M | 51.6% | 3 | Loss |
| 2026-04 | $5.29M | $3.69M | $8.98M | 52.1% | 3 | Loss |
| 2026-03 | $4.84M | $3.69M | $8.53M | 50.5% | 3 | Loss |
| 2026-02 | $4.54M | $3.48M | $8.02M | 51.1% | 3 | Loss |
| 2026-01 | $4.54M | $3.35M | $7.89M | 47.2% | 3 | Loss |
| 2025-12 | $4.39M | $3.44M | $7.83M | 50.2% | 3 | Loss |
| 2025-11 | $4.88M | $2.88M | $7.76M | 44.5% | 3 | Loss |
| 2025-10 | $4.86M | $2.88M | $7.74M | 47.4% | 3 | Loss |
| 2025-09 | $5.01M | $3.10M | $8.11M | 51.3% | 3 | Loss |
| 2025-08 | $4.79M | $3.32M | $8.11M | 55.7% | 3 | Loss |
| 2025-07 | $4.22M | $3.79M | $8.02M | 51.0% | 3 | Loss |