Goldcrest Capital LLC
CIF-00576 · U75575SI2014PLC100576 · Wholesale Trade · Mid Corporate · Singapore
RM: James Smith
Credit Risk Manager: Matthew Sanchez
Exposure: $25.08M
CBRB: Normal
Internal: Normal
Risk Score:23 · Low
Total Exposure
$25.08M
Prev: $23.89M5.0%
Utilization
10.9%
Prev: 8.7%2.2pp
Banking Relationships
6
Prev: 60.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
1
C 1
H 0
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
No rating changes in the last 24 months. Currently Normal.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 5/9/2026 | Rating Downgrade | Critical | Borrower rating migrated from Normal to Normal. | Open | Emily Martinez | — |
| 5/22/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Resolved | David Wilson | 5/22/2026 |
| 3/12/2026 | Rating Downgrade | Critical | Borrower rating migrated from Normal to Normal. | Dismissed | Isabella Williams | — |
| 6/9/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Dismissed | Emily Martinez | — |
AI Risk Score
23
/ 100
Low 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+15
Banking Relationship Growth+15
Industry Concentration+9
Exposure Growth Trend+5
Internal Rating Drift+5
Utilization Level+3
AI Risk Commentary
AI
Customer exposure increased by 5.0% month-over-month, currently at $25.08M. Banking relationships moved from 6 to 6 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 10.9%. Overall borrower risk is assessed as low.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
James Smith
james.smith@bank.com
+1 555 0011
Portfolio: $2.05B
Credit Risk Manager
Matthew Sanchez
matthew.sanchez@bank.com
+1 555 0099
Portfolio: $2.20B
Business Head
Joseph Jackson
joseph.jackson@bank.com
+1 555 0165
Portfolio: $2.24B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $13.42M | $11.67M | $25.08M | 10.9% | 6 | Normal |
| 2026-05 | $13.81M | $10.08M | $23.89M | 8.7% | 6 | Normal |
| 2026-04 | $14.04M | $11.05M | $25.09M | 14.4% | 6 | Normal |
| 2026-03 | $16.78M | $9.29M | $26.07M | 16.6% | 6 | Normal |
| 2026-02 | $16.66M | $10.32M | $26.98M | 20.5% | 6 | Normal |
| 2026-01 | $17.33M | $9.58M | $26.92M | 25.0% | 6 | Normal |
| 2025-12 | $16.58M | $9.68M | $26.26M | 19.1% | 6 | Normal |
| 2025-11 | $15.28M | $10.48M | $25.76M | 13.8% | 6 | Normal |
| 2025-10 | $15.61M | $9.86M | $25.46M | 19.7% | 6 | Normal |
| 2025-09 | $16.91M | $8.47M | $25.38M | 22.8% | 6 | Normal |
| 2025-08 | $12.64M | $11.29M | $23.93M | 26.5% | 6 | Normal |
| 2025-07 | $16.41M | $8.42M | $24.83M | 31.0% | 6 | Normal |