Pioneer Holdings SA
CIF-00490 · U75489JA2014PLC100490 · Real Estate · Project Finance · Japan
RM: Joseph Jackson
Credit Risk Manager: Jacob Moore
Exposure: $19.31M
CBRB: Normal
Internal: Normal
Risk Score:27 · Low
Total Exposure
$19.31M
Prev: $18.12M6.6%
Utilization
55.2%
Prev: 56.1%0.9pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
1
C 1
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
OLEMStart
2024-08
NormalUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/4/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Dismissed | Christopher Lopez | — |
| 1/13/2026 | Rating Downgrade | Critical | Borrower rating migrated from Normal to Normal. | Open | Emily Martinez | — |
| 3/4/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Dismissed | Mia Rodriguez | — |
AI Risk Score
27
/ 100
Low 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+15
Utilization Level+14
Industry Concentration+12
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 6.6% month-over-month, currently at $19.31M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 55.2%. Overall borrower risk is assessed as low.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Joseph Jackson
joseph.jackson@bank.com
+1 555 0165
Portfolio: $2.24B
Credit Risk Manager
Jacob Moore
jacob.moore@bank.com
+1 555 0253
Portfolio: $2.23B
Business Head
Emily Martinez
emily.martinez@bank.com
+1 555 0044
Portfolio: $2.24B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $12.69M | $6.63M | $19.31M | 55.2% | 1 | Normal |
| 2026-05 | $9.97M | $8.15M | $18.12M | 56.1% | 1 | Normal |
| 2026-04 | $10.36M | $7.72M | $18.08M | 59.0% | 1 | Normal |
| 2026-03 | $11.57M | $6.92M | $18.49M | 55.0% | 1 | Normal |
| 2026-02 | $12.66M | $6.27M | $18.93M | 54.3% | 1 | Normal |
| 2026-01 | $12.68M | $6.77M | $19.45M | 58.6% | 1 | Normal |
| 2025-12 | $11.95M | $7.22M | $19.17M | 63.0% | 1 | Normal |
| 2025-11 | $11.16M | $8.62M | $19.77M | 64.7% | 1 | Normal |
| 2025-10 | $10.44M | $8.09M | $18.52M | 69.2% | 1 | Normal |
| 2025-09 | $10.03M | $8.63M | $18.66M | 70.7% | 1 | Normal |
| 2025-08 | $10.12M | $9.15M | $19.28M | 68.3% | 1 | Normal |
| 2025-07 | $10.80M | $7.84M | $18.64M | 69.2% | 1 | Normal |