Sapphire Holdings Inc
CIF-00513 · U75512US2014PLC100513 · Education · Large Corporate · USA
RM: Christopher Lopez
Credit Risk Manager: Nathan Hernandez
Exposure: $35.51M
CBRB: Substandard
Internal: Substandard
Risk Score:85 · Critical
Total Exposure
$35.51M
Prev: $34.47M3.0%
Utilization
61.5%
Prev: 66.2%4.7pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
Substandard
Prev: Substandard
Open Alerts
4
C 1
H 0
M 2
L 1
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 Substandard.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 3/13/2026 | Rating Upgrade | Low | Borrower rating improved to Substandard. | Resolved | Lucas White | 3/13/2026 |
| 6/8/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Open | Michael Miller | — |
| 6/8/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | In Review | Ella Anderson | — |
| 12/16/2025 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | In Review | Mia Rodriguez | — |
| 5/26/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | In Review | Isabella Williams | — |
AI Risk Score
85
/ 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+27
Utilization Level+15
Banking Relationship Growth+15
Industry Concentration+9
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 3.0% month-over-month, currently at $35.51M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 61.5%. 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
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
Credit Risk Manager
Nathan Hernandez
nathan.hernandez@bank.com
+1 555 0231
Portfolio: $1.79B
Business Head
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $23.48M | $12.03M | $35.51M | 61.5% | 5 | Substandard |
| 2026-05 | $18.12M | $16.36M | $34.47M | 66.2% | 5 | Substandard |
| 2026-04 | $22.29M | $13.95M | $36.24M | 68.0% | 5 | Substandard |
| 2026-03 | $20.68M | $14.69M | $35.37M | 70.1% | 5 | Substandard |
| 2026-02 | $20.04M | $14.20M | $34.25M | 71.9% | 5 | Substandard |
| 2026-01 | $19.29M | $13.35M | $32.64M | 77.7% | 5 | Substandard |
| 2025-12 | $18.68M | $13.77M | $32.45M | 72.3% | 5 | Substandard |
| 2025-11 | $18.08M | $15.09M | $33.17M | 68.3% | 5 | Substandard |
| 2025-10 | $17.61M | $15.19M | $32.81M | 63.1% | 5 | Substandard |
| 2025-09 | $20.68M | $11.28M | $31.95M | 64.5% | 6 | Substandard |
| 2025-08 | $19.56M | $13.14M | $32.70M | 59.8% | 6 | Substandard |
| 2025-07 | $19.40M | $14.89M | $34.29M | 54.3% | 6 | Substandard |