Heritage Capital LLC
CIF-00731 · U75730US2014PLC100731 · Wholesale Trade · Large Corporate · USA
RM: Olivia Taylor
Credit Risk Manager: Amelia Thomas
Exposure: $40.64M
CBRB: Normal
Internal: Normal
Risk Score:33 · Medium
Total Exposure
$40.64M
Prev: $40.39M0.6%
Utilization
73.4%
Prev: 69.4%4.0pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
1
C 0
H 0
M 1
L 0
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 · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 3/1/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | In Review | Christopher Lopez | — |
| 6/6/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Resolved | Amelia Thomas | 6/6/2026 |
AI Risk Score
33
/ 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+18
CBRB Rating Migration+15
Industry Concentration+8
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 0.6% month-over-month, currently at $40.64M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 73.4% — 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
Olivia Taylor
olivia.taylor@bank.com
+1 555 0066
Portfolio: $2.26B
Credit Risk Manager
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
Business Head
Harper Davis
harper.davis@bank.com
+1 555 0220
Portfolio: $2.09B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $22.29M | $18.34M | $40.64M | 73.4% | 4 | Normal |
| 2026-05 | $26.26M | $14.13M | $40.39M | 69.4% | 4 | Normal |
| 2026-04 | $21.98M | $18.49M | $40.47M | 68.4% | 4 | Normal |
| 2026-03 | $22.74M | $16.49M | $39.23M | 62.7% | 4 | Normal |
| 2026-02 | $21.77M | $16.68M | $38.45M | 68.2% | 4 | Normal |
| 2026-01 | $24.11M | $13.77M | $37.88M | 70.0% | 4 | Normal |
| 2025-12 | $19.26M | $16.29M | $35.55M | 72.6% | 4 | Normal |
| 2025-11 | $18.62M | $14.77M | $33.38M | 71.7% | 4 | Normal |
| 2025-10 | $19.50M | $15.57M | $35.07M | 76.8% | 4 | Normal |
| 2025-09 | $19.02M | $15.27M | $34.30M | 78.4% | 4 | Normal |
| 2025-08 | $22.98M | $12.42M | $35.41M | 76.7% | 4 | Normal |
| 2025-07 | $23.63M | $13.38M | $37.00M | 74.9% | 4 | Normal |