Premier Resources Ltd
CIF-00610 · U75609JA2014PLC100610 · Mining · Commercial · Japan
RM: Isabella Williams
Credit Risk Manager: Ava Johnson
Exposure: $40.61M
CBRB: Substandard
Internal: Substandard
Risk Score:94 · Critical
Total Exposure
$40.61M
Prev: $39.24M3.5%
Utilization
84.7%
Prev: 79.4%5.3pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
Substandard
Prev: OLEM
Open Alerts
1
C 0
H 0
M 0
L 1
Exposure Trend Analysis · 24 Months
Funded · Non-Funded · Total
Utilization Trend · Reporting Bank vs Other Banks
Threshold 70%
Rating Migration Timeline
2024-07
OLEMStart
2025-10
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 1
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/3/2026 | Rating Upgrade | Low | Borrower rating improved to Substandard. | Open | Daniel Martin | — |
AI Risk Score
94
/ 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+27
Utilization Level+21
Banking Relationship Growth+15
Industry Concentration+15
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 3.5% month-over-month, currently at $40.61M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 84.7% — above the 70% early warning threshold. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Isabella Williams
isabella.williams@bank.com
+1 555 0110
Portfolio: $2.11B
Credit Risk Manager
Ava Johnson
ava.johnson@bank.com
+1 555 0198
Portfolio: $1.94B
Business Head
Grace Lee
grace.lee@bank.com
+1 555 0264
Portfolio: $2.12B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $22.60M | $18.01M | $40.61M | 84.7% | 5 | Substandard |
| 2026-05 | $25.07M | $14.18M | $39.24M | 79.4% | 5 | Substandard |
| 2026-04 | $21.70M | $18.08M | $39.78M | 81.7% | 5 | Substandard |
| 2026-03 | $23.44M | $18.32M | $41.76M | 77.5% | 5 | Substandard |
| 2026-02 | $27.32M | $15.88M | $43.21M | 74.3% | 5 | Substandard |
| 2026-01 | $22.94M | $20.16M | $43.10M | 70.9% | 5 | Substandard |
| 2025-12 | $26.01M | $15.36M | $41.38M | 65.1% | 5 | Substandard |
| 2025-11 | $27.65M | $15.12M | $42.77M | 62.1% | 5 | Substandard |
| 2025-10 | $27.10M | $15.01M | $42.11M | 57.1% | 5 | Substandard |
| 2025-09 | $26.68M | $16.44M | $43.13M | 55.6% | 5 | OLEM |
| 2025-08 | $26.90M | $15.31M | $42.21M | 61.0% | 5 | OLEM |
| 2025-07 | $24.20M | $15.27M | $39.47M | 58.2% | 5 | OLEM |