Royal Resources Co.
CIF-00755 · U75754GE2014PLC100755 · Mining · SME · Germany
RM: David Wilson
Credit Risk Manager: Christopher Lopez
Exposure: $23.66M
CBRB: Loss
Internal: Doubtful
Risk Score:96 · Critical
Total Exposure
$23.66M
Prev: $23.36M1.3%
Utilization
8.7%
Prev: 7.1%1.6pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
Loss
Prev: Doubtful
Internal Rating
Doubtful
Prev: Substandard
Open Alerts
2
C 0
H 0
M 1
L 1
Exposure Trend Analysis · 24 Months
Funded · Non-Funded · Total
Utilization Trend · Reporting Bank vs Other Banks
Threshold 70%
Rating Migration Timeline
2024-07
OLEMStart
2024-08
SubstandardDowngrade
2025-03
DoubtfulDowngrade
2025-11
SubstandardUpgrade
2026-01
DoubtfulDowngrade
2026-04
LossDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/30/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Open | Nathan Hernandez | — |
| 1/25/2026 | Rating Upgrade | Medium | Borrower rating improved to Loss. | Resolved | Lucas White | 1/25/2026 |
| 6/5/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | In Review | Benjamin Jones | — |
AI Risk Score
96
/ 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
Banking Relationship Growth+15
Industry Concentration+15
Exposure Growth Trend+5
Internal Rating Drift+5
Utilization Level+2
AI Risk Commentary
AI
Customer exposure increased by 1.3% month-over-month, currently at $23.66M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating deteriorated from Doubtful to Loss. Current utilization is 8.7%. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
David Wilson
david.wilson@bank.com
+1 555 0055
Portfolio: $2.35B
Credit Risk Manager
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
Business Head
Benjamin Jones
benjamin.jones@bank.com
+1 555 0209
Portfolio: $2.38B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $14.37M | $9.29M | $23.66M | 8.7% | 5 | Loss |
| 2026-05 | $13.34M | $10.01M | $23.36M | 7.1% | 5 | Loss |
| 2026-04 | $13.46M | $9.73M | $23.19M | 9.6% | 5 | Loss |
| 2026-03 | $11.87M | $9.90M | $21.77M | 8.5% | 6 | Doubtful |
| 2026-02 | $11.78M | $10.01M | $21.78M | 11.8% | 5 | Doubtful |
| 2026-01 | $11.99M | $8.71M | $20.70M | 7.6% | 5 | Doubtful |
| 2025-12 | $12.75M | $9.00M | $21.75M | 11.5% | 5 | Substandard |
| 2025-11 | $12.37M | $8.32M | $20.69M | 13.8% | 5 | Substandard |
| 2025-10 | $10.55M | $9.38M | $19.93M | 19.5% | 5 | Doubtful |
| 2025-09 | $11.91M | $7.38M | $19.28M | 19.4% | 4 | Doubtful |
| 2025-08 | $10.59M | $8.32M | $18.91M | 25.2% | 4 | Doubtful |
| 2025-07 | $11.45M | $6.72M | $18.17M | 28.7% | 4 | Doubtful |