Granite Aviation Group
CIF-00746 · U75745AU2014PLC100746 · Construction · Micro Enterprise · Australia
RM: Nathan Hernandez
Credit Risk Manager: Emily Martinez
Exposure: $19.51M
CBRB: OLEM
Internal: OLEM
Risk Score:44 · Medium
Total Exposure
$19.51M
Prev: $19.93M2.1%
Utilization
53.3%
Prev: 47.7%5.6pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
OLEM
Prev: Normal
Open Alerts
2
C 0
H 1
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
NormalStart
2024-10
OLEMDowngrade
2024-12
SubstandardDowngrade
2026-01
OLEMUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/20/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | Grace Lee | — |
| 6/11/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Open | Daniel Martin | — |
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+21
Utilization Level+13
Industry Concentration+13
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 2.1% month-over-month, currently at $19.51M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 53.3%. 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
Nathan Hernandez
nathan.hernandez@bank.com
+1 555 0231
Portfolio: $1.79B
Credit Risk Manager
Emily Martinez
emily.martinez@bank.com
+1 555 0044
Portfolio: $2.24B
Business Head
Isabella Williams
isabella.williams@bank.com
+1 555 0110
Portfolio: $2.11B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $12.60M | $6.91M | $19.51M | 53.3% | 3 | OLEM |
| 2026-05 | $10.47M | $9.46M | $19.93M | 47.7% | 3 | OLEM |
| 2026-04 | $10.28M | $9.26M | $19.55M | 51.0% | 3 | OLEM |
| 2026-03 | $13.32M | $6.59M | $19.90M | 46.6% | 3 | OLEM |
| 2026-02 | $11.99M | $7.25M | $19.24M | 48.7% | 3 | OLEM |
| 2026-01 | $12.33M | $7.20M | $19.53M | 43.4% | 3 | OLEM |
| 2025-12 | $12.78M | $7.66M | $20.45M | 47.2% | 3 | Substandard |
| 2025-11 | $12.42M | $8.82M | $21.24M | 50.2% | 3 | Substandard |
| 2025-10 | $12.88M | $8.15M | $21.03M | 53.5% | 3 | Substandard |
| 2025-09 | $11.80M | $8.43M | $20.23M | 52.2% | 3 | Substandard |
| 2025-08 | $13.18M | $7.84M | $21.02M | 57.0% | 3 | Substandard |
| 2025-07 | $13.63M | $6.96M | $20.58M | 52.9% | 3 | Substandard |