Alpha Group LLC
CIF-00527 · U75526SI2014PLC100527 · Hospitality · Mid Corporate · Singapore
RM: Sarah Brown
Credit Risk Manager: Isabella Williams
Exposure: $40.05M
CBRB: OLEM
Internal: OLEM
Risk Score:40 · Medium
Total Exposure
$40.05M
Prev: $41.09M2.5%
Utilization
20.2%
Prev: 23.8%3.6pp
Banking Relationships
3
Prev: 41.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
OLEM
Prev: OLEM
Open Alerts
2
C 0
H 0
M 0
L 2
Exposure Trend Analysis · 24 Months
Funded · Non-Funded · Total
Utilization Trend · Reporting Bank vs Other Banks
Threshold 70%
Rating Migration Timeline
2024-07
NormalStart
2024-08
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 6
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 12/19/2025 | Rating Downgrade | Critical | Borrower rating migrated from OLEM to OLEM. | Resolved | Christopher Lopez | 12/19/2025 |
| 6/3/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Dismissed | Matthew Sanchez | — |
| 4/10/2026 | Rating Upgrade | Low | Borrower rating improved to OLEM. | In Review | Daniel Martin | — |
| 12/24/2025 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Open | Charlotte Perez | — |
| 4/17/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Dismissed | Olivia Taylor | — |
| 1/28/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Dismissed | Jacob Moore | — |
AI Risk Score
40
/ 100
Medium 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+21
Industry Concentration+16
Banking Relationship Growth+6
Utilization Level+5
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 2.5% month-over-month, currently at $40.05M. Banking relationships moved from 4 to 3 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 20.2%. Overall borrower risk is assessed as medium.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
Credit Risk Manager
Isabella Williams
isabella.williams@bank.com
+1 555 0110
Portfolio: $2.11B
Business Head
Charlotte Perez
charlotte.perez@bank.com
+1 555 0176
Portfolio: $2.23B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $22.41M | $17.64M | $40.05M | 20.2% | 3 | OLEM |
| 2026-05 | $25.82M | $15.27M | $41.09M | 23.8% | 4 | OLEM |
| 2026-04 | $23.85M | $16.13M | $39.97M | 24.7% | 4 | OLEM |
| 2026-03 | $26.95M | $14.37M | $41.32M | 30.1% | 4 | OLEM |
| 2026-02 | $21.88M | $17.00M | $38.88M | 29.4% | 4 | OLEM |
| 2026-01 | $24.27M | $13.73M | $37.99M | 29.8% | 4 | OLEM |
| 2025-12 | $19.08M | $16.65M | $35.73M | 27.3% | 4 | OLEM |
| 2025-11 | $20.96M | $13.52M | $34.48M | 26.7% | 4 | OLEM |
| 2025-10 | $19.94M | $14.62M | $34.56M | 24.3% | 4 | OLEM |
| 2025-09 | $18.69M | $16.00M | $34.70M | 20.9% | 4 | OLEM |
| 2025-08 | $19.00M | $16.30M | $35.29M | 25.7% | 4 | OLEM |
| 2025-07 | $20.40M | $13.26M | $33.66M | 21.3% | 4 | OLEM |