Stonegate Logistics Inc
CIF-00762 · U75761FR2014PLC100762 · Information Technology · Micro Enterprise · France
RM: Mia Rodriguez
Credit Risk Manager: Harper Davis
Exposure: $32.32M
CBRB: Loss
Internal: Loss
Risk Score:100 · Critical
Total Exposure
$32.32M
Prev: $31.86M1.4%
Utilization
99.0%
Prev: 99.0%0.0pp
Banking Relationships
6
Prev: 60.0
CBRB Rating
Loss
Prev: Doubtful
Internal Rating
Loss
Prev: Doubtful
Open Alerts
0
C 0
H 0
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
2024-07
OLEMStart
2025-07
SubstandardDowngrade
2025-10
DoubtfulDowngrade
2026-04
LossDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 1
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/26/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Dismissed | 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
Banking Relationship Growth+15
Industry Concentration+12
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 1.4% month-over-month, currently at $32.32M. Banking relationships moved from 6 to 6 banks per CBRB data. CBRB rating deteriorated from Doubtful 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
Mia Rodriguez
mia.rodriguez@bank.com
+1 555 0132
Portfolio: $2.26B
Credit Risk Manager
Harper Davis
harper.davis@bank.com
+1 555 0220
Portfolio: $2.09B
Business Head
James Smith
james.smith@bank.com
+1 555 0011
Portfolio: $2.05B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $19.81M | $12.51M | $32.32M | 99.0% | 6 | Loss |
| 2026-05 | $18.86M | $12.99M | $31.86M | 99.0% | 6 | Loss |
| 2026-04 | $17.19M | $14.78M | $31.97M | 95.9% | 7 | Loss |
| 2026-03 | $19.50M | $10.84M | $30.34M | 92.5% | 7 | Doubtful |
| 2026-02 | $19.24M | $12.20M | $31.44M | 92.2% | 7 | Doubtful |
| 2026-01 | $21.57M | $10.40M | $31.97M | 89.1% | 7 | Doubtful |
| 2025-12 | $21.47M | $11.92M | $33.39M | 88.6% | 7 | Doubtful |
| 2025-11 | $21.93M | $11.46M | $33.39M | 89.4% | 7 | Doubtful |
| 2025-10 | $21.83M | $11.14M | $32.97M | 84.4% | 7 | Doubtful |
| 2025-09 | $20.39M | $10.60M | $30.99M | 79.4% | 7 | Substandard |
| 2025-08 | $16.08M | $13.95M | $30.03M | 76.2% | 7 | Substandard |
| 2025-07 | $18.28M | $11.75M | $30.02M | 74.2% | 7 | Substandard |