Lakeside Agro Co.
CIF-00705 · U75704UA2014PLC100705 · Energy & Utilities · Commercial · UAE
RM: David Wilson
Credit Risk Manager: Christopher Lopez
Exposure: $64.15M
CBRB: Normal
Internal: Normal
Risk Score:41 · Medium
Total Exposure
$64.15M
Prev: $62.14M3.2%
Utilization
66.4%
Prev: 67.2%0.8pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
5
C 0
H 4
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
No rating changes in the last 24 months. Currently Normal.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 7
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/5/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Lucas White | — |
| 1/28/2026 | Rating Downgrade | High | Borrower rating migrated from Normal to Normal. | Open | James Smith | — |
| 1/17/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | In Review | Christopher Lopez | — |
| 4/29/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Open | Ava Johnson | — |
| 5/12/2026 | Rating Upgrade | Medium | Borrower rating improved to Normal. | Resolved | Matthew Sanchez | 5/12/2026 |
| 3/7/2026 | Rating Downgrade | High | Borrower rating migrated from Normal to Normal. | Open | Ava Johnson | — |
| 6/5/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Resolved | Ella Anderson | 6/5/2026 |
AI Risk Score
41
/ 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+17
CBRB Rating Migration+15
Industry Concentration+14
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 3.2% month-over-month, currently at $64.15M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 66.4%. 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
David Wilson
david.wilson@bank.com
+1 555 0055
Portfolio: $2.35B
Credit Risk Manager
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
Business Head
Benjamin Jones
benjamin.jones@bank.com
+1 555 0209
Portfolio: $2.38B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $33.92M | $30.23M | $64.15M | 66.4% | 3 | Normal |
| 2026-05 | $37.88M | $24.26M | $62.14M | 67.2% | 3 | Normal |
| 2026-04 | $36.15M | $25.78M | $61.93M | 61.4% | 4 | Normal |
| 2026-03 | $37.44M | $21.55M | $58.99M | 60.0% | 4 | Normal |
| 2026-02 | $38.57M | $20.97M | $59.54M | 61.8% | 4 | Normal |
| 2026-01 | $35.66M | $25.07M | $60.73M | 66.3% | 4 | Normal |
| 2025-12 | $38.31M | $19.07M | $57.38M | 60.6% | 4 | Normal |
| 2025-11 | $36.64M | $17.98M | $54.62M | 65.8% | 4 | Normal |
| 2025-10 | $36.23M | $18.36M | $54.59M | 65.0% | 4 | Normal |
| 2025-09 | $37.04M | $17.98M | $55.02M | 62.2% | 4 | Normal |
| 2025-08 | $37.98M | $19.86M | $57.84M | 64.8% | 4 | Normal |
| 2025-07 | $36.49M | $20.80M | $57.29M | 66.6% | 4 | Normal |