Goldcrest Telecom SA
CIF-00664 · U75663UK2014PLC100664 · Telecom · Commercial · UK
RM: Amelia Thomas
Credit Risk Manager: Ella Anderson
Exposure: $2.27M
CBRB: OLEM
Internal: Normal
Risk Score:37 · Medium
Total Exposure
$2.27M
Prev: $2.13M6.6%
Utilization
33.5%
Prev: 39.2%5.7pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
OLEM
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
2026-05
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 2/17/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Resolved | Mia Rodriguez | 2/17/2026 |
| 2/13/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | David Wilson | — |
| 6/11/2026 | Rating Upgrade | Low | Borrower rating improved to OLEM. | Open | Amelia Thomas | — |
AI Risk Score
37
/ 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
Industry Concentration+10
Utilization Level+8
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 6.6% month-over-month, currently at $2.27M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating deteriorated from Normal to OLEM. Current utilization is 33.5%. 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
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
Credit Risk Manager
Ella Anderson
ella.anderson@bank.com
+1 555 0242
Portfolio: $1.99B
Business Head
Michael Miller
michael.miller@bank.com
+1 555 0033
Portfolio: $2.26B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $1.49M | $777.3K | $2.27M | 33.5% | 4 | OLEM |
| 2026-05 | $1.26M | $868.8K | $2.13M | 39.2% | 4 | OLEM |
| 2026-04 | $1.41M | $770.4K | $2.18M | 43.7% | 4 | Normal |
| 2026-03 | $1.36M | $833.2K | $2.19M | 41.2% | 4 | Normal |
| 2026-02 | $1.41M | $868.5K | $2.27M | 42.5% | 4 | Normal |
| 2026-01 | $1.33M | $1.05M | $2.39M | 44.4% | 4 | Normal |
| 2025-12 | $1.38M | $900.0K | $2.28M | 39.5% | 4 | Normal |
| 2025-11 | $1.49M | $789.2K | $2.28M | 35.6% | 4 | Normal |
| 2025-10 | $1.35M | $1.03M | $2.38M | 39.7% | 4 | Normal |
| 2025-09 | $1.34M | $1.05M | $2.39M | 39.6% | 4 | Normal |
| 2025-08 | $1.49M | $885.3K | $2.37M | 36.8% | 4 | Normal |
| 2025-07 | $1.31M | $1.11M | $2.43M | 31.9% | 4 | Normal |