Coastal Holdings Ltd
CIF-00642 · U75641UK2014PLC100642 · Transportation · Financial Institution · UK
RM: Ryan Harris
Credit Risk Manager: Lucas White
Exposure: $2.84M
CBRB: Normal
Internal: Normal
Risk Score:28 · Low
Total Exposure
$2.84M
Prev: $2.80M1.5%
Utilization
50.7%
Prev: 53.1%2.4pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
2
C 0
H 2
M 0
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 Normal.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 2/10/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Sophia Thompson | — |
| 5/20/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Dismissed | Jacob Moore | — |
| 6/3/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | In Review | Mia Rodriguez | — |
AI Risk Score
28
/ 100
Low 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+15
Utilization Level+13
Industry Concentration+12
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 1.5% month-over-month, currently at $2.84M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 50.7%. Overall borrower risk is assessed as low.
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 | $1.56M | $1.29M | $2.84M | 50.7% | 2 | Normal |
| 2026-05 | $1.76M | $1.04M | $2.80M | 53.1% | 2 | Normal |
| 2026-04 | $1.55M | $1.15M | $2.70M | 47.5% | 2 | Normal |
| 2026-03 | $1.56M | $1.00M | $2.56M | 50.5% | 2 | Normal |
| 2026-02 | $1.70M | $915.6K | $2.62M | 56.4% | 2 | Normal |
| 2026-01 | $1.73M | $1.02M | $2.74M | 54.1% | 2 | Normal |
| 2025-12 | $1.76M | $957.6K | $2.72M | 59.9% | 2 | Normal |
| 2025-11 | $1.66M | $1.03M | $2.69M | 63.3% | 2 | Normal |
| 2025-10 | $1.48M | $1.17M | $2.65M | 66.9% | 2 | Normal |
| 2025-09 | $1.57M | $1.03M | $2.59M | 68.0% | 2 | Normal |
| 2025-08 | $1.73M | $998.6K | $2.73M | 66.4% | 2 | Normal |
| 2025-07 | $1.49M | $1.14M | $2.63M | 63.2% | 2 | Normal |