Highland Energy PLC
CIF-00550 · U75549UK2014PLC100550 · Hospitality · Large Corporate · UK
RM: Lucas White
Credit Risk Manager: Sophia Thompson
Exposure: $13.39M
CBRB: Loss
Internal: Doubtful
Risk Score:100 · Critical
Total Exposure
$13.39M
Prev: $13.40M0.1%
Utilization
56.3%
Prev: 53.6%2.7pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
Loss
Prev: Loss
Internal Rating
Doubtful
Prev: Doubtful
Open Alerts
4
C 0
H 2
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
SubstandardStart
2024-11
DoubtfulDowngrade
2025-08
LossDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 5/30/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Open | Charlotte Perez | — |
| 6/7/2026 | Rating Upgrade | Low | Borrower rating improved to Loss. | In Review | Grace Lee | — |
| 4/19/2026 | Rating Downgrade | High | Borrower rating migrated from Loss to Loss. | Open | Ava Johnson | — |
| 2/10/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Open | Harper Davis | — |
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+9
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 0.1% month-over-month, currently at $13.39M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating remained stable from Loss to Loss. Current utilization is 56.3%. 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
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
Credit Risk Manager
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
Business Head
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $8.63M | $4.76M | $13.39M | 56.3% | 3 | Loss |
| 2026-05 | $8.67M | $4.73M | $13.40M | 53.6% | 3 | Loss |
| 2026-04 | $6.92M | $5.61M | $12.53M | 49.2% | 4 | Loss |
| 2026-03 | $7.54M | $5.57M | $13.11M | 52.7% | 5 | Loss |
| 2026-02 | $8.25M | $5.25M | $13.50M | 54.2% | 5 | Loss |
| 2026-01 | $8.62M | $4.55M | $13.17M | 54.3% | 5 | Loss |
| 2025-12 | $7.37M | $6.35M | $13.72M | 55.5% | 5 | Loss |
| 2025-11 | $9.59M | $4.79M | $14.38M | 53.4% | 5 | Loss |
| 2025-10 | $8.88M | $5.81M | $14.70M | 48.8% | 4 | Loss |
| 2025-09 | $9.42M | $5.98M | $15.40M | 47.9% | 4 | Loss |
| 2025-08 | $10.58M | $5.53M | $16.10M | 50.4% | 4 | Loss |
| 2025-07 | $10.08M | $6.77M | $16.86M | 51.8% | 4 | Doubtful |