Lakeside Group Ltd
CIF-00511 · U75510JA2014PLC100511 · Healthcare · Micro Enterprise · Japan
RM: Andrew Garcia
Credit Risk Manager: Benjamin Jones
Exposure: $31.53M
CBRB: Loss
Internal: Doubtful
Risk Score:100 · Critical
Total Exposure
$31.53M
Prev: $32.43M2.8%
Utilization
91.9%
Prev: 88.2%3.7pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Loss
Prev: Loss
Internal Rating
Doubtful
Prev: Substandard
Open Alerts
3
C 0
H 1
M 2
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
2025-07
SubstandardDowngrade
2025-08
DoubtfulDowngrade
2025-09
LossDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/23/2026 | Rating Upgrade | Medium | Borrower rating improved to Loss. | Open | Sophia Thompson | — |
| 4/13/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | In Review | Joseph Jackson | — |
| 4/18/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Open | Ella Anderson | — |
AI Risk Score
100
/ 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
Utilization Level+23
Industry Concentration+14
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 2.8% month-over-month, currently at $31.53M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating remained stable from Loss to Loss. Current utilization is 91.9% — 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
Andrew Garcia
andrew.garcia@bank.com
+1 555 0121
Portfolio: $2.16B
Credit Risk Manager
Benjamin Jones
benjamin.jones@bank.com
+1 555 0209
Portfolio: $2.38B
Business Head
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $16.90M | $14.63M | $31.53M | 91.9% | 4 | Loss |
| 2026-05 | $17.15M | $15.28M | $32.43M | 88.2% | 4 | Loss |
| 2026-04 | $20.50M | $12.31M | $32.81M | 94.0% | 5 | Loss |
| 2026-03 | $18.61M | $12.09M | $30.70M | 99.0% | 5 | Loss |
| 2026-02 | $17.24M | $13.22M | $30.46M | 98.8% | 5 | Loss |
| 2026-01 | $17.96M | $12.66M | $30.63M | 95.7% | 5 | Loss |
| 2025-12 | $18.34M | $13.35M | $31.70M | 89.9% | 5 | Loss |
| 2025-11 | $20.15M | $10.32M | $30.46M | 85.6% | 5 | Loss |
| 2025-10 | $18.95M | $12.66M | $31.61M | 81.2% | 4 | Loss |
| 2025-09 | $18.99M | $11.87M | $30.86M | 81.8% | 4 | Loss |
| 2025-08 | $17.17M | $14.02M | $31.19M | 83.2% | 4 | Doubtful |
| 2025-07 | $17.91M | $11.45M | $29.35M | 87.8% | 4 | Substandard |