Pacific Healthcare Ltd
CIF-00752 · U75751AU2014PLC100752 · Financial Services · Project Finance · Australia
RM: Sarah Brown
Credit Risk Manager: Isabella Williams
Exposure: $243.1K
CBRB: Loss
Internal: Loss
Risk Score:100 · Critical
Total Exposure
$243.1K
Prev: $245.6K1.0%
Utilization
99.0%
Prev: 99.0%0.0pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Loss
Prev: Substandard
Internal Rating
Loss
Prev: Loss
Open Alerts
3
C 1
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
OLEMStart
2025-05
SubstandardDowngrade
2026-04
DoubtfulDowngrade
2026-06
LossDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 3/30/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | Harper Davis | — |
| 12/16/2025 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Resolved | James Smith | 12/16/2025 |
| 12/13/2025 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | James Smith | — |
| 1/10/2026 | Rating Downgrade | Critical | Borrower rating migrated from Substandard to Loss. | In Review | James Smith | — |
AI Risk Score
100
/ 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
Utilization Level+25
Industry Concentration+13
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 1.0% month-over-month, currently at $243.1K. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating deteriorated from Substandard to Loss. Current utilization is 99.0% — above the 70% early warning threshold. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
Credit Risk Manager
Isabella Williams
isabella.williams@bank.com
+1 555 0110
Portfolio: $2.11B
Business Head
Charlotte Perez
charlotte.perez@bank.com
+1 555 0176
Portfolio: $2.23B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $162.8K | $80.2K | $243.1K | 99.0% | 2 | Loss |
| 2026-05 | $158.7K | $86.9K | $245.6K | 99.0% | 2 | Doubtful |
| 2026-04 | $149.3K | $82.8K | $232.0K | 95.4% | 2 | Doubtful |
| 2026-03 | $159.8K | $79.1K | $238.9K | 90.5% | 2 | Substandard |
| 2026-02 | $139.3K | $107.9K | $247.2K | 94.5% | 2 | Substandard |
| 2026-01 | $131.3K | $114.6K | $245.9K | 99.0% | 2 | Substandard |
| 2025-12 | $149.0K | $100.7K | $249.7K | 99.0% | 2 | Substandard |
| 2025-11 | $158.5K | $84.2K | $242.6K | 99.0% | 2 | Substandard |
| 2025-10 | $131.4K | $98.1K | $229.5K | 99.0% | 3 | Substandard |
| 2025-09 | $123.2K | $102.8K | $226.0K | 99.0% | 3 | Substandard |
| 2025-08 | $116.1K | $104.9K | $221.0K | 99.0% | 3 | Substandard |
| 2025-07 | $141.9K | $74.2K | $216.1K | 99.0% | 3 | Substandard |