Westwood Ventures Inc
CIF-00778 · U75777UK2014PLC100778 · Healthcare · Micro Enterprise · UK
RM: Michael Miller
Credit Risk Manager: Andrew Garcia
Exposure: $58.46M
CBRB: Loss
Internal: Loss
Risk Score:100 · Critical
Total Exposure
$58.46M
Prev: $55.24M5.8%
Utilization
78.5%
Prev: 76.7%1.8pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Loss
Prev: Doubtful
Internal Rating
Loss
Prev: Doubtful
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
NormalStart
2024-12
OLEMDowngrade
2025-12
SubstandardDowngrade
2026-03
DoubtfulDowngrade
2026-05
LossDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/3/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | In Review | Ella Anderson | — |
| 2/28/2026 | Rating Upgrade | Medium | Borrower rating improved to Loss. | Resolved | Charlotte Perez | 2/28/2026 |
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+20
Industry Concentration+15
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 5.8% month-over-month, currently at $58.46M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating deteriorated from Doubtful to Loss. Current utilization is 78.5% — 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
Michael Miller
michael.miller@bank.com
+1 555 0033
Portfolio: $2.26B
Credit Risk Manager
Andrew Garcia
andrew.garcia@bank.com
+1 555 0121
Portfolio: $2.16B
Business Head
Ryan Harris
ryan.harris@bank.com
+1 555 0187
Portfolio: $1.96B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $34.34M | $24.12M | $58.46M | 78.5% | 4 | Loss |
| 2026-05 | $30.39M | $24.85M | $55.24M | 76.7% | 4 | Loss |
| 2026-04 | $31.05M | $22.59M | $53.64M | 80.8% | 4 | Doubtful |
| 2026-03 | $33.37M | $17.33M | $50.70M | 84.3% | 4 | Doubtful |
| 2026-02 | $25.88M | $22.55M | $48.43M | 80.3% | 4 | Substandard |
| 2026-01 | $29.37M | $16.70M | $46.08M | 84.9% | 5 | Substandard |
| 2025-12 | $28.13M | $18.29M | $46.42M | 79.3% | 5 | Substandard |
| 2025-11 | $24.74M | $20.51M | $45.25M | 85.1% | 5 | OLEM |
| 2025-10 | $27.59M | $18.73M | $46.32M | 87.7% | 5 | OLEM |
| 2025-09 | $28.19M | $17.49M | $45.68M | 90.7% | 5 | OLEM |
| 2025-08 | $24.74M | $19.91M | $44.65M | 93.7% | 5 | OLEM |
| 2025-07 | $27.91M | $17.14M | $45.05M | 90.6% | 5 | OLEM |