Citadel Agro LLC
CIF-00592 · U75591JA2014PLC100592 · Transportation · Large Corporate · Japan
RM: Ryan Harris
Credit Risk Manager: Lucas White
Exposure: $68.23M
CBRB: Substandard
Internal: Substandard
Risk Score:75 · High
Total Exposure
$68.23M
Prev: $64.54M5.7%
Utilization
57.5%
Prev: 53.0%4.5pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
Substandard
Prev: OLEM
Open Alerts
2
C 1
H 0
M 1
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
NormalStart
2024-10
OLEMDowngrade
2025-11
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/8/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Resolved | Grace Lee | 4/8/2026 |
| 6/6/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Resolved | David Wilson | 6/6/2026 |
| 12/19/2025 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Harper Davis | — |
| 2/26/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | Benjamin Jones | — |
AI Risk Score
75
/ 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
Banking Relationship Growth+15
Utilization Level+14
Industry Concentration+13
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 5.7% month-over-month, currently at $68.23M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 57.5%. Overall borrower risk is assessed as high.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Ryan Harris
ryan.harris@bank.com
+1 555 0187
Portfolio: $1.96B
Credit Risk Manager
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
Business Head
Olivia Taylor
olivia.taylor@bank.com
+1 555 0066
Portfolio: $2.26B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $37.33M | $30.90M | $68.23M | 57.5% | 5 | Substandard |
| 2026-05 | $35.37M | $29.17M | $64.54M | 53.0% | 5 | Substandard |
| 2026-04 | $37.88M | $24.53M | $62.41M | 55.7% | 5 | Substandard |
| 2026-03 | $37.98M | $24.57M | $62.54M | 53.9% | 5 | Substandard |
| 2026-02 | $36.81M | $22.08M | $58.89M | 54.8% | 5 | Substandard |
| 2026-01 | $33.71M | $21.52M | $55.22M | 60.2% | 5 | Substandard |
| 2025-12 | $32.81M | $19.72M | $52.53M | 64.4% | 5 | Substandard |
| 2025-11 | $34.88M | $17.21M | $52.09M | 61.0% | 5 | Substandard |
| 2025-10 | $28.39M | $20.53M | $48.93M | 58.9% | 5 | OLEM |
| 2025-09 | $32.97M | $17.80M | $50.77M | 56.0% | 5 | OLEM |
| 2025-08 | $32.32M | $17.03M | $49.35M | 52.5% | 5 | OLEM |
| 2025-07 | $26.36M | $22.05M | $48.41M | 49.3% | 5 | OLEM |