Pacific Foods PLC
CIF-00657 · U75656GE2014PLC100657 · Telecom · Project Finance · Germany
RM: Daniel Martin
Credit Risk Manager: Joseph Jackson
Exposure: $31.95M
CBRB: OLEM
Internal: Substandard
Risk Score:53 · Medium
Total Exposure
$31.95M
Prev: $31.23M2.3%
Utilization
58.4%
Prev: 56.0%2.4pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
Substandard
Prev: Substandard
Open Alerts
1
C 0
H 0
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
2024-07
NormalStart
2025-07
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 1
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/11/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | David Wilson | — |
AI Risk Score
53
/ 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
CBRB Rating Migration+21
Utilization Level+15
Internal Rating Drift+12
Industry Concentration+11
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 2.3% month-over-month, currently at $31.95M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 58.4%. Overall borrower risk is assessed as medium.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Daniel Martin
daniel.martin@bank.com
+1 555 0077
Portfolio: $2.17B
Credit Risk Manager
Joseph Jackson
joseph.jackson@bank.com
+1 555 0165
Portfolio: $2.24B
Business Head
Nathan Hernandez
nathan.hernandez@bank.com
+1 555 0231
Portfolio: $1.79B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $20.97M | $10.98M | $31.95M | 58.4% | 4 | OLEM |
| 2026-05 | $16.89M | $14.34M | $31.23M | 56.0% | 4 | OLEM |
| 2026-04 | $19.88M | $11.35M | $31.23M | 53.6% | 4 | OLEM |
| 2026-03 | $17.29M | $12.90M | $30.19M | 57.0% | 4 | OLEM |
| 2026-02 | $16.56M | $12.99M | $29.55M | 55.0% | 4 | OLEM |
| 2026-01 | $19.07M | $10.03M | $29.10M | 53.5% | 4 | OLEM |
| 2025-12 | $18.19M | $9.16M | $27.34M | 48.9% | 4 | OLEM |
| 2025-11 | $15.58M | $11.27M | $26.85M | 48.2% | 4 | OLEM |
| 2025-10 | $14.11M | $11.45M | $25.56M | 51.8% | 4 | OLEM |
| 2025-09 | $15.12M | $10.97M | $26.09M | 55.8% | 4 | OLEM |
| 2025-08 | $14.68M | $12.41M | $27.08M | 60.7% | 4 | OLEM |
| 2025-07 | $16.76M | $11.02M | $27.78M | 56.2% | 4 | OLEM |