Apex Industries SA
CIF-00666 · U75665GE2014PLC100666 · Healthcare · Trade Finance · Germany
RM: Charlotte Perez
Credit Risk Manager: Grace Lee
Exposure: $21.07M
CBRB: Doubtful
Internal: Substandard
Risk Score:70 · High
Total Exposure
$21.07M
Prev: $20.58M2.4%
Utilization
33.5%
Prev: 36.2%2.7pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Doubtful
Prev: Doubtful
Internal Rating
Substandard
Prev: Substandard
Open Alerts
1
C 0
H 0
M 0
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
DoubtfulStart
2025-05
LossDowngrade
2025-11
DoubtfulUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 1
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/2/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Open | Christopher Lopez | — |
AI Risk Score
70
/ 100
High 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
Industry Concentration+11
Utilization Level+8
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 2.4% month-over-month, currently at $21.07M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from Doubtful to Doubtful. Current utilization is 33.5%. Overall borrower risk is assessed as high.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Charlotte Perez
charlotte.perez@bank.com
+1 555 0176
Portfolio: $2.23B
Credit Risk Manager
Grace Lee
grace.lee@bank.com
+1 555 0264
Portfolio: $2.12B
Business Head
David Wilson
david.wilson@bank.com
+1 555 0055
Portfolio: $2.35B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $13.65M | $7.43M | $21.07M | 33.5% | 2 | Doubtful |
| 2026-05 | $13.16M | $7.42M | $20.58M | 36.2% | 2 | Doubtful |
| 2026-04 | $11.30M | $8.50M | $19.80M | 35.6% | 3 | Doubtful |
| 2026-03 | $10.31M | $8.59M | $18.90M | 32.7% | 2 | Doubtful |
| 2026-02 | $10.69M | $8.05M | $18.73M | 28.9% | 2 | Doubtful |
| 2026-01 | $11.08M | $8.46M | $19.54M | 31.2% | 1 | Doubtful |
| 2025-12 | $11.02M | $9.36M | $20.38M | 34.3% | 1 | Doubtful |
| 2025-11 | $10.94M | $9.48M | $20.42M | 35.3% | 1 | Doubtful |
| 2025-10 | $11.66M | $8.20M | $19.87M | 30.6% | 1 | Loss |
| 2025-09 | $12.61M | $8.16M | $20.76M | 32.8% | 1 | Loss |
| 2025-08 | $12.04M | $8.09M | $20.13M | 27.6% | 1 | Loss |
| 2025-07 | $10.66M | $9.12M | $19.79M | 24.1% | 1 | Loss |