Lakeside Technologies Co.
CIF-00744 · U75743FR2014PLC100744 · Transportation · Mid Corporate · France
RM: Benjamin Jones
Credit Risk Manager: Sarah Brown
Exposure: $21.74M
CBRB: Substandard
Internal: Substandard
Risk Score:44 · Medium
Total Exposure
$21.74M
Prev: $20.98M3.6%
Utilization
5.0%
Prev: 5.0%0.0pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
Substandard
Prev: OLEM
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
2024-07
DoubtfulStart
2025-01
SubstandardUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/3/2026 | Rating Downgrade | Critical | Borrower rating migrated from Substandard to Substandard. | Resolved | Ella Anderson | 4/3/2026 |
| 6/3/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Resolved | Jacob Moore | 6/3/2026 |
| 3/16/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | In Review | Amelia Thomas | — |
AI Risk Score
44
/ 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
CBRB Rating Migration+27
Industry Concentration+16
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
Utilization Level+1
AI Risk Commentary
AI
Customer exposure increased by 3.6% month-over-month, currently at $21.74M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 5.0%. 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
Benjamin Jones
benjamin.jones@bank.com
+1 555 0209
Portfolio: $2.38B
Credit Risk Manager
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
Business Head
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $12.68M | $9.06M | $21.74M | 5.0% | 4 | Substandard |
| 2026-05 | $12.37M | $8.61M | $20.98M | 5.0% | 4 | Substandard |
| 2026-04 | $10.82M | $9.24M | $20.06M | 8.2% | 4 | Substandard |
| 2026-03 | $12.60M | $6.85M | $19.45M | 12.0% | 4 | Substandard |
| 2026-02 | $10.74M | $9.36M | $20.10M | 13.8% | 4 | Substandard |
| 2026-01 | $13.53M | $6.68M | $20.22M | 19.1% | 4 | Substandard |
| 2025-12 | $12.76M | $8.41M | $21.17M | 17.9% | 4 | Substandard |
| 2025-11 | $12.09M | $8.62M | $20.71M | 23.5% | 4 | Substandard |
| 2025-10 | $11.52M | $9.61M | $21.12M | 27.9% | 4 | Substandard |
| 2025-09 | $12.69M | $7.13M | $19.82M | 32.5% | 4 | Substandard |
| 2025-08 | $11.32M | $8.19M | $19.50M | 35.8% | 4 | Substandard |
| 2025-07 | $10.86M | $8.65M | $19.50M | 36.9% | 4 | Substandard |