Royal Trading Co.
CIF-00734 · U75733UK2014PLC100734 · Energy & Utilities · Mid Corporate · UK
RM: Matthew Sanchez
Credit Risk Manager: Ryan Harris
Exposure: $768.9K
CBRB: Normal
Internal: Normal
Risk Score:36 · Medium
Total Exposure
$768.9K
Prev: $799.0K3.8%
Utilization
63.3%
Prev: 62.7%0.6pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
1
C 0
H 1
M 0
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 · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/6/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Open | Christopher Lopez | — |
| 1/2/2026 | Rating Downgrade | High | Borrower rating migrated from Normal to Normal. | Resolved | Nathan Hernandez | 1/2/2026 |
| 5/30/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Resolved | Michael Miller | 5/30/2026 |
AI Risk Score
36
/ 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+16
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 decreased by 3.8% month-over-month, currently at $768.9K. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 63.3%. 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
Matthew Sanchez
matthew.sanchez@bank.com
+1 555 0099
Portfolio: $2.20B
Credit Risk Manager
Ryan Harris
ryan.harris@bank.com
+1 555 0187
Portfolio: $1.96B
Business Head
Jacob Moore
jacob.moore@bank.com
+1 555 0253
Portfolio: $2.23B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $489.4K | $279.5K | $768.9K | 63.3% | 4 | Normal |
| 2026-05 | $441.0K | $358.1K | $799.0K | 62.7% | 4 | Normal |
| 2026-04 | $482.9K | $284.9K | $767.8K | 60.9% | 4 | Normal |
| 2026-03 | $428.8K | $366.2K | $795.0K | 56.4% | 4 | Normal |
| 2026-02 | $485.5K | $278.6K | $764.1K | 60.8% | 4 | Normal |
| 2026-01 | $479.1K | $262.7K | $741.8K | 66.1% | 4 | Normal |
| 2025-12 | $427.9K | $311.6K | $739.6K | 65.2% | 4 | Normal |
| 2025-11 | $426.7K | $291.1K | $717.8K | 61.5% | 5 | Normal |
| 2025-10 | $401.2K | $313.1K | $714.3K | 62.5% | 5 | Normal |
| 2025-09 | $386.5K | $305.6K | $692.1K | 64.9% | 5 | Normal |
| 2025-08 | $419.2K | $255.1K | $674.3K | 69.9% | 5 | Normal |
| 2025-07 | $426.5K | $260.7K | $687.2K | 66.7% | 5 | Normal |