Ironclad Construction Co.
CIF-00500 · U75499FR2014PLC100500 · Telecom · Micro Enterprise · France
RM: Lucas White
Credit Risk Manager: Sophia Thompson
Exposure: $50.14M
CBRB: Doubtful
Internal: Substandard
Risk Score:89 · Critical
Total Exposure
$50.14M
Prev: $50.64M1.0%
Utilization
77.5%
Prev: 79.2%1.7pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Doubtful
Prev: Substandard
Internal Rating
Substandard
Prev: Substandard
Open Alerts
2
C 0
H 2
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
NormalStart
2024-09
OLEMDowngrade
2026-01
SubstandardDowngrade
2026-05
DoubtfulDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/21/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Olivia Taylor | — |
| 3/1/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Open | Benjamin Jones | — |
AI Risk Score
89
/ 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
Utilization Level+19
Industry Concentration+9
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 1.0% month-over-month, currently at $50.14M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating deteriorated from Substandard to Doubtful. Current utilization is 77.5% — above the 70% early warning threshold. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
Credit Risk Manager
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
Business Head
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $29.61M | $20.52M | $50.14M | 77.5% | 1 | Doubtful |
| 2026-05 | $30.59M | $20.05M | $50.64M | 79.2% | 1 | Doubtful |
| 2026-04 | $27.74M | $20.29M | $48.03M | 76.6% | 1 | Substandard |
| 2026-03 | $30.66M | $15.12M | $45.78M | 71.2% | 2 | Substandard |
| 2026-02 | $27.94M | $15.03M | $42.97M | 68.5% | 2 | Substandard |
| 2026-01 | $27.84M | $16.29M | $44.13M | 63.8% | 2 | Substandard |
| 2025-12 | $22.88M | $20.67M | $43.55M | 68.9% | 2 | OLEM |
| 2025-11 | $25.05M | $16.11M | $41.16M | 69.6% | 2 | OLEM |
| 2025-10 | $23.67M | $19.04M | $42.71M | 63.7% | 2 | OLEM |
| 2025-09 | $25.59M | $15.61M | $41.20M | 65.5% | 2 | OLEM |
| 2025-08 | $21.83M | $17.09M | $38.91M | 68.3% | 2 | OLEM |
| 2025-07 | $25.29M | $13.75M | $39.04M | 64.1% | 2 | OLEM |