Atlantic Properties SA
CIF-00713 · U75712JA2014PLC100713 · Agriculture · Micro Enterprise · Japan
RM: Christopher Lopez
Credit Risk Manager: Nathan Hernandez
Exposure: $25.44M
CBRB: Loss
Internal: Doubtful
Risk Score:87 · Critical
Total Exposure
$25.44M
Prev: $24.40M4.3%
Utilization
27.8%
Prev: 23.9%3.9pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Loss
Prev: Loss
Internal Rating
Doubtful
Prev: Doubtful
Open Alerts
4
C 0
H 1
M 2
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
2025-12
LossDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/10/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | In Review | Ryan Harris | — |
| 2/16/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Open | Charlotte Perez | — |
| 5/6/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | In Review | Emily Martinez | — |
| 3/11/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | Amelia Thomas | — |
AI Risk Score
87
/ 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
Industry Concentration+11
Utilization Level+7
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 4.3% month-over-month, currently at $25.44M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating remained stable from Loss to Loss. Current utilization is 27.8%. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
Credit Risk Manager
Nathan Hernandez
nathan.hernandez@bank.com
+1 555 0231
Portfolio: $1.79B
Business Head
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $15.91M | $9.54M | $25.44M | 27.8% | 4 | Loss |
| 2026-05 | $14.34M | $10.06M | $24.40M | 23.9% | 4 | Loss |
| 2026-04 | $16.39M | $9.20M | $25.59M | 20.8% | 4 | Loss |
| 2026-03 | $14.18M | $10.63M | $24.80M | 22.9% | 4 | Loss |
| 2026-02 | $16.28M | $8.54M | $24.82M | 21.7% | 4 | Loss |
| 2026-01 | $13.22M | $11.49M | $24.71M | 19.2% | 4 | Loss |
| 2025-12 | $14.32M | $8.89M | $23.21M | 21.2% | 4 | Loss |
| 2025-11 | $13.60M | $9.47M | $23.07M | 21.2% | 4 | Doubtful |
| 2025-10 | $15.45M | $8.37M | $23.83M | 16.6% | 4 | Doubtful |
| 2025-09 | $14.39M | $8.57M | $22.96M | 22.1% | 4 | Doubtful |
| 2025-08 | $13.25M | $9.88M | $23.12M | 25.1% | 4 | Doubtful |
| 2025-07 | $14.94M | $8.79M | $23.73M | 28.4% | 4 | Doubtful |