Westwood Industries SA
CIF-00602 · U75601AU2014PLC100602 · Agriculture · Mid Corporate · Australia
RM: Sarah Brown
Credit Risk Manager: Isabella Williams
Exposure: $35.20M
CBRB: Substandard
Internal: Substandard
Risk Score:63 · High
Total Exposure
$35.20M
Prev: $33.18M6.1%
Utilization
31.6%
Prev: 33.9%2.3pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
Substandard
Prev: Substandard
Open Alerts
3
C 0
H 2
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
No rating changes in the last 24 months. Currently Substandard.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/22/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Mia Rodriguez | — |
| 4/10/2026 | Rating Upgrade | Medium | Borrower rating improved to Substandard. | Open | Harper Davis | — |
| 6/11/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Michael Miller | — |
AI Risk Score
63
/ 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
Industry Concentration+14
Utilization Level+8
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 6.1% month-over-month, currently at $35.20M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 31.6%. 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
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 | $20.19M | $15.01M | $35.20M | 31.6% | 5 | Substandard |
| 2026-05 | $19.88M | $13.30M | $33.18M | 33.9% | 5 | Substandard |
| 2026-04 | $22.14M | $11.55M | $33.69M | 34.6% | 5 | Substandard |
| 2026-03 | $20.47M | $11.38M | $31.85M | 37.1% | 5 | Substandard |
| 2026-02 | $17.62M | $14.31M | $31.93M | 39.9% | 5 | Substandard |
| 2026-01 | $19.75M | $12.11M | $31.86M | 40.0% | 5 | Substandard |
| 2025-12 | $20.12M | $12.31M | $32.44M | 36.0% | 5 | Substandard |
| 2025-11 | $17.84M | $13.79M | $31.62M | 34.7% | 5 | Substandard |
| 2025-10 | $17.01M | $12.86M | $29.86M | 28.9% | 5 | Substandard |
| 2025-09 | $20.16M | $10.68M | $30.84M | 27.6% | 5 | Substandard |
| 2025-08 | $15.54M | $13.54M | $29.08M | 25.1% | 4 | Substandard |
| 2025-07 | $17.58M | $11.08M | $28.66M | 26.9% | 4 | Substandard |