Goldcrest Agro SA
CIF-00794 · U75793SI2014PLC100794 · Real Estate · Public Sector · Singapore
RM: Benjamin Jones
Credit Risk Manager: Sarah Brown
Exposure: $43.95M
CBRB: OLEM
Internal: OLEM
Risk Score:35 · Medium
Total Exposure
$43.95M
Prev: $41.95M4.8%
Utilization
12.1%
Prev: 17.8%5.7pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
OLEM
Prev: Normal
Open Alerts
4
C 0
H 0
M 3
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
NormalStart
2024-09
OLEMDowngrade
2025-04
NormalUpgrade
2025-07
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/2/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Open | Christopher Lopez | — |
| 4/10/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | In Review | Ella Anderson | — |
| 5/13/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Dismissed | Sarah Brown | — |
| 4/19/2026 | Rating Upgrade | Medium | Borrower rating improved to OLEM. | Open | Michael Miller | — |
| 6/3/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | In Review | Joseph Jackson | — |
AI Risk Score
35
/ 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
Industry Concentration+12
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
Utilization Level+3
AI Risk Commentary
AI
Customer exposure increased by 4.8% month-over-month, currently at $43.95M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 12.1%. 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
Benjamin Jones
benjamin.jones@bank.com
+1 555 0209
Portfolio: $2.38B
Credit Risk Manager
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
Business Head
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $26.90M | $17.05M | $43.95M | 12.1% | 1 | OLEM |
| 2026-05 | $23.12M | $18.84M | $41.95M | 17.8% | 1 | OLEM |
| 2026-04 | $27.29M | $14.49M | $41.78M | 19.9% | 1 | OLEM |
| 2026-03 | $26.46M | $16.15M | $42.61M | 25.1% | 1 | OLEM |
| 2026-02 | $28.80M | $15.01M | $43.81M | 28.1% | 1 | OLEM |
| 2026-01 | $24.97M | $17.70M | $42.67M | 25.4% | 1 | OLEM |
| 2025-12 | $23.84M | $17.57M | $41.41M | 24.2% | 1 | OLEM |
| 2025-11 | $24.20M | $17.32M | $41.52M | 27.2% | 1 | OLEM |
| 2025-10 | $24.91M | $14.47M | $39.38M | 27.5% | 1 | OLEM |
| 2025-09 | $20.78M | $16.18M | $36.96M | 26.7% | 1 | OLEM |
| 2025-08 | $24.33M | $13.26M | $37.59M | 32.7% | 1 | OLEM |
| 2025-07 | $22.17M | $15.71M | $37.89M | 33.0% | 1 | OLEM |