Alpha Partners PLC
CIF-00531 · U75530US2014PLC100531 · Real Estate · Large Corporate · USA
RM: Olivia Taylor
Credit Risk Manager: Amelia Thomas
Exposure: $48.44M
CBRB: Loss
Internal: Loss
Risk Score:100 · Critical
Total Exposure
$48.44M
Prev: $49.87M2.9%
Utilization
55.2%
Prev: 60.0%4.8pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Loss
Prev: Doubtful
Internal Rating
Loss
Prev: Doubtful
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
OLEMStart
2024-09
SubstandardDowngrade
2026-01
DoubtfulDowngrade
2026-05
LossDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 3/20/2026 | Rating Upgrade | Low | Borrower rating improved to Loss. | Open | Amelia Thomas | — |
| 2/25/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Open | Ella Anderson | — |
| 4/18/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Resolved | Isabella Williams | 4/18/2026 |
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+14
Industry Concentration+13
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 2.9% month-over-month, currently at $48.44M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating deteriorated from Doubtful to Loss. Current utilization is 55.2%. 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
Olivia Taylor
olivia.taylor@bank.com
+1 555 0066
Portfolio: $2.26B
Credit Risk Manager
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
Business Head
Harper Davis
harper.davis@bank.com
+1 555 0220
Portfolio: $2.09B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $30.82M | $17.63M | $48.44M | 55.2% | 4 | Loss |
| 2026-05 | $28.74M | $21.13M | $49.87M | 60.0% | 4 | Loss |
| 2026-04 | $31.98M | $16.98M | $48.96M | 59.2% | 4 | Doubtful |
| 2026-03 | $26.58M | $19.26M | $45.84M | 55.3% | 4 | Doubtful |
| 2026-02 | $25.65M | $20.12M | $45.78M | 50.9% | 4 | Doubtful |
| 2026-01 | $28.72M | $14.78M | $43.51M | 49.1% | 4 | Doubtful |
| 2025-12 | $24.88M | $16.20M | $41.07M | 44.5% | 4 | Substandard |
| 2025-11 | $25.24M | $17.49M | $42.73M | 49.9% | 4 | Substandard |
| 2025-10 | $23.64M | $17.51M | $41.14M | 55.5% | 4 | Substandard |
| 2025-09 | $23.63M | $17.20M | $40.83M | 56.7% | 4 | Substandard |
| 2025-08 | $21.46M | $19.08M | $40.53M | 57.1% | 4 | Substandard |
| 2025-07 | $22.86M | $17.35M | $40.21M | 53.9% | 4 | Substandard |