Northwind Mining SA
CIF-00667 · U75666UA2014PLC100667 · Healthcare · Project Finance · UAE
RM: Ryan Harris
Credit Risk Manager: Lucas White
Exposure: $45.27M
CBRB: Normal
Internal: Normal
Risk Score:54 · Medium
Total Exposure
$45.27M
Prev: $46.59M2.8%
Utilization
82.7%
Prev: 85.3%2.6pp
Banking Relationships
8
Prev: 80.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
2
C 0
H 0
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
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 |
|---|---|---|---|---|---|---|
| 12/29/2025 | Rating Downgrade | High | Borrower rating migrated from Normal to Normal. | Dismissed | Michael Miller | — |
| 1/28/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | In Review | Sophia Thompson | — |
| 6/4/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Open | Jacob Moore | — |
AI Risk Score
54
/ 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
Utilization Level+21
CBRB Rating Migration+15
Banking Relationship Growth+15
Industry Concentration+14
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 2.8% month-over-month, currently at $45.27M. Banking relationships moved from 8 to 8 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 82.7% — above the 70% early warning threshold. Overall borrower risk is assessed as medium.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate 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 | $29.89M | $15.38M | $45.27M | 82.7% | 8 | Normal |
| 2026-05 | $26.11M | $20.47M | $46.59M | 85.3% | 8 | Normal |
| 2026-04 | $32.54M | $15.77M | $48.31M | 83.3% | 8 | Normal |
| 2026-03 | $24.48M | $22.09M | $46.57M | 88.7% | 8 | Normal |
| 2026-02 | $30.61M | $18.33M | $48.94M | 94.5% | 8 | Normal |
| 2026-01 | $27.59M | $20.30M | $47.89M | 99.0% | 8 | Normal |
| 2025-12 | $28.19M | $16.70M | $44.89M | 99.0% | 8 | Normal |
| 2025-11 | $24.68M | $19.66M | $44.34M | 99.0% | 8 | Normal |
| 2025-10 | $24.57M | $20.91M | $45.49M | 95.3% | 7 | Normal |
| 2025-09 | $24.48M | $18.42M | $42.90M | 94.9% | 7 | Normal |
| 2025-08 | $23.46M | $20.84M | $44.30M | 95.0% | 7 | Normal |
| 2025-07 | $26.73M | $15.75M | $42.48M | 99.0% | 7 | Normal |