Bridgewater Mining PLC
CIF-00698 · U75697CA2014PLC100698 · Financial Services · Syndicated · Canada
RM: Jacob Moore
Credit Risk Manager: Olivia Taylor
Exposure: $10.83M
CBRB: Loss
Internal: Doubtful
Risk Score:100 · Critical
Total Exposure
$10.83M
Prev: $10.26M5.5%
Utilization
70.8%
Prev: 68.3%2.5pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Loss
Prev: Doubtful
Internal Rating
Doubtful
Prev: Doubtful
Open Alerts
2
C 0
H 0
M 2
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
OLEMStart
2024-11
SubstandardDowngrade
2025-06
OLEMUpgrade
2025-10
SubstandardDowngrade
2026-01
DoubtfulDowngrade
2026-06
LossDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/9/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | In Review | Sophia Thompson | — |
| 3/29/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | In Review | Olivia Taylor | — |
AI Risk Score
100
/ 100
Critical 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+39
Utilization Level+18
Industry Concentration+13
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 5.5% month-over-month, currently at $10.83M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating deteriorated from Doubtful to Loss. Current utilization is 70.8% — above the 70% early warning threshold. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Jacob Moore
jacob.moore@bank.com
+1 555 0253
Portfolio: $2.23B
Credit Risk Manager
Olivia Taylor
olivia.taylor@bank.com
+1 555 0066
Portfolio: $2.26B
Business Head
Mia Rodriguez
mia.rodriguez@bank.com
+1 555 0132
Portfolio: $2.26B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $7.12M | $3.71M | $10.83M | 70.8% | 1 | Loss |
| 2026-05 | $6.71M | $3.55M | $10.26M | 68.3% | 1 | Doubtful |
| 2026-04 | $5.22M | $4.39M | $9.62M | 73.1% | 1 | Doubtful |
| 2026-03 | $5.25M | $4.45M | $9.70M | 69.3% | 1 | Doubtful |
| 2026-02 | $5.95M | $3.65M | $9.60M | 74.5% | 1 | Doubtful |
| 2026-01 | $6.18M | $3.63M | $9.81M | 79.3% | 1 | Doubtful |
| 2025-12 | $6.12M | $4.09M | $10.22M | 77.4% | 1 | Substandard |
| 2025-11 | $6.47M | $3.33M | $9.80M | 74.8% | 1 | Substandard |
| 2025-10 | $5.29M | $4.02M | $9.30M | 78.9% | 1 | Substandard |
| 2025-09 | $5.17M | $3.70M | $8.86M | 81.5% | 1 | OLEM |
| 2025-08 | $4.91M | $4.23M | $9.14M | 76.7% | 1 | OLEM |
| 2025-07 | $5.18M | $3.95M | $9.13M | 76.8% | 1 | OLEM |