Southfield Energy Ltd
CIF-00617 · U75616FR2014PLC100617 · Telecom · Mid Corporate · France
RM: Ryan Harris
Credit Risk Manager: Lucas White
Exposure: $6.79M
CBRB: Normal
Internal: Normal
Risk Score:41 · Medium
Total Exposure
$6.79M
Prev: $6.35M7.0%
Utilization
93.7%
Prev: 89.0%4.7pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
2
C 0
H 0
M 1
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
NormalStart
2025-07
OLEMDowngrade
2025-12
NormalUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 5/25/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | In Review | Michael Miller | — |
| 6/8/2026 | Rating Upgrade | Low | Borrower rating improved to Normal. | Resolved | Nathan Hernandez | 6/8/2026 |
| 5/24/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | Ava Johnson | — |
AI Risk Score
41
/ 100
Medium Risk
Low
0-30
0-30
Med
31-60
31-60
High
61-80
61-80
Crit
81-100
81-100
Risk Driver Analysis
Utilization Level+23
CBRB Rating Migration+15
Industry Concentration+12
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 7.0% month-over-month, currently at $6.79M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 93.7% — above the 70% early warning threshold. Overall borrower risk is assessed as medium.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate 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 | $4.39M | $2.41M | $6.79M | 93.7% | 3 | Normal |
| 2026-05 | $3.59M | $2.76M | $6.35M | 89.0% | 3 | Normal |
| 2026-04 | $4.38M | $2.19M | $6.57M | 87.6% | 3 | Normal |
| 2026-03 | $3.81M | $2.65M | $6.46M | 88.5% | 2 | Normal |
| 2026-02 | $4.37M | $2.32M | $6.69M | 89.2% | 2 | Normal |
| 2026-01 | $4.45M | $2.15M | $6.60M | 89.1% | 2 | Normal |
| 2025-12 | $3.91M | $2.34M | $6.25M | 88.0% | 2 | Normal |
| 2025-11 | $3.37M | $2.92M | $6.29M | 82.5% | 2 | OLEM |
| 2025-10 | $4.32M | $2.13M | $6.45M | 82.0% | 2 | OLEM |
| 2025-09 | $3.60M | $2.49M | $6.09M | 85.2% | 2 | OLEM |
| 2025-08 | $3.90M | $2.19M | $6.09M | 86.7% | 2 | OLEM |
| 2025-07 | $3.63M | $2.66M | $6.29M | 88.1% | 2 | OLEM |