Apex Resources LLC
CIF-00619 · U75618JA2014PLC100619 · Retail Trade · Financial Institution · Japan
RM: Benjamin Jones
Credit Risk Manager: Sarah Brown
Exposure: $11.50M
CBRB: Doubtful
Internal: Doubtful
Risk Score:100 · Critical
Total Exposure
$11.50M
Prev: $11.67M1.5%
Utilization
82.2%
Prev: 76.9%5.3pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Doubtful
Prev: Substandard
Internal Rating
Doubtful
Prev: Doubtful
Open Alerts
4
C 0
H 2
M 0
L 2
Exposure Trend Analysis · 24 Months
Funded · Non-Funded · Total
Utilization Trend · Reporting Bank vs Other Banks
Threshold 70%
Rating Migration Timeline
2024-07
OLEMStart
2024-12
SubstandardDowngrade
2025-04
OLEMUpgrade
2025-11
SubstandardDowngrade
2026-06
DoubtfulDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 2/11/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | In Review | James Smith | — |
| 12/14/2025 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Open | Charlotte Perez | — |
| 2/20/2026 | Rating Downgrade | High | Borrower rating migrated from Substandard to Doubtful. | Open | Ava Johnson | — |
| 6/5/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Open | Nathan Hernandez | — |
AI Risk Score
100
/ 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+33
Utilization Level+21
Industry Concentration+13
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 1.5% month-over-month, currently at $11.50M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating deteriorated from Substandard to Doubtful. Current utilization is 82.2% — 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
Benjamin Jones
benjamin.jones@bank.com
+1 555 0209
Portfolio: $2.38B
Credit Risk Manager
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
Business Head
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $7.61M | $3.89M | $11.50M | 82.2% | 2 | Doubtful |
| 2026-05 | $7.19M | $4.48M | $11.67M | 76.9% | 2 | Substandard |
| 2026-04 | $6.90M | $4.34M | $11.24M | 74.8% | 2 | Substandard |
| 2026-03 | $6.15M | $4.58M | $10.73M | 74.8% | 2 | Substandard |
| 2026-02 | $6.94M | $3.41M | $10.35M | 80.3% | 2 | Substandard |
| 2026-01 | $6.11M | $4.66M | $10.77M | 77.8% | 2 | Substandard |
| 2025-12 | $7.06M | $3.68M | $10.74M | 72.0% | 2 | Substandard |
| 2025-11 | $6.89M | $4.22M | $11.10M | 75.4% | 2 | Substandard |
| 2025-10 | $6.05M | $4.50M | $10.55M | 75.7% | 2 | OLEM |
| 2025-09 | $6.43M | $3.97M | $10.40M | 69.9% | 2 | OLEM |
| 2025-08 | $6.36M | $3.67M | $10.04M | 74.3% | 2 | OLEM |
| 2025-07 | $6.35M | $3.82M | $10.17M | 72.9% | 2 | OLEM |