Silverline Partners SA
CIF-00522 · U75521CA2014PLC100522 · Energy & Utilities · Syndicated · Canada
RM: Ella Anderson
Credit Risk Manager: David Wilson
Exposure: $18.52M
CBRB: Substandard
Internal: OLEM
Risk Score:79 · High
Total Exposure
$18.52M
Prev: $18.95M2.2%
Utilization
83.7%
Prev: 81.0%2.7pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
OLEM
Prev: Normal
Open Alerts
3
C 1
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
OLEMStart
2025-01
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 2/19/2026 | Rating Downgrade | Critical | Borrower rating migrated from Substandard to Substandard. | Open | James Smith | — |
| 3/29/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Open | Benjamin Jones | — |
| 6/7/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Open | Sophia Thompson | — |
AI Risk Score
79
/ 100
High 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+21
Industry Concentration+15
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 2.2% month-over-month, currently at $18.52M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 83.7% — above the 70% early warning threshold. Overall borrower risk is assessed as high. 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
Ella Anderson
ella.anderson@bank.com
+1 555 0242
Portfolio: $1.99B
Credit Risk Manager
David Wilson
david.wilson@bank.com
+1 555 0055
Portfolio: $2.35B
Business Head
Andrew Garcia
andrew.garcia@bank.com
+1 555 0121
Portfolio: $2.16B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $10.68M | $7.84M | $18.52M | 83.7% | 1 | Substandard |
| 2026-05 | $10.06M | $8.89M | $18.95M | 81.0% | 1 | Substandard |
| 2026-04 | $11.96M | $7.37M | $19.33M | 77.1% | 1 | Substandard |
| 2026-03 | $11.27M | $6.93M | $18.20M | 73.4% | 1 | Substandard |
| 2026-02 | $12.16M | $6.06M | $18.22M | 68.0% | 1 | Substandard |
| 2026-01 | $9.31M | $7.84M | $17.15M | 64.4% | 2 | Substandard |
| 2025-12 | $9.37M | $6.70M | $16.06M | 58.6% | 2 | Substandard |
| 2025-11 | $10.86M | $5.28M | $16.14M | 55.3% | 2 | Substandard |
| 2025-10 | $10.56M | $5.74M | $16.30M | 51.6% | 2 | Substandard |
| 2025-09 | $8.88M | $7.63M | $16.51M | 53.3% | 2 | Substandard |
| 2025-08 | $9.26M | $6.65M | $15.91M | 51.7% | 2 | Substandard |
| 2025-07 | $9.58M | $7.07M | $16.65M | 46.1% | 2 | Substandard |