Sterling Corporation Group
CIF-00796 · U75795AU2014PLC100796 · Wholesale Trade · SME · Australia
RM: Nathan Hernandez
Credit Risk Manager: Emily Martinez
Exposure: $7.87M
CBRB: Normal
Internal: Normal
Risk Score:42 · Medium
Total Exposure
$7.87M
Prev: $7.66M2.8%
Utilization
77.7%
Prev: 73.8%3.9pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Normal
Prev: OLEM
Internal Rating
Normal
Prev: Normal
Open Alerts
2
C 0
H 0
M 2
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
2025-07
OLEMDowngrade
2026-06
NormalUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 5/24/2026 | Rating Downgrade | High | Borrower rating migrated from OLEM to Normal. | Resolved | Ava Johnson | 5/24/2026 |
| 5/26/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | David Wilson | — |
| 6/3/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Resolved | Jacob Moore | 6/3/2026 |
| 5/25/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | In Review | Charlotte Perez | — |
AI Risk Score
42
/ 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
Utilization Level+19
Industry Concentration+16
CBRB Rating Migration+15
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 2.8% month-over-month, currently at $7.87M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating improved from OLEM to Normal. Current utilization is 77.7% — above the 70% early warning threshold. Overall borrower risk is assessed as medium.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Nathan Hernandez
nathan.hernandez@bank.com
+1 555 0231
Portfolio: $1.79B
Credit Risk Manager
Emily Martinez
emily.martinez@bank.com
+1 555 0044
Portfolio: $2.24B
Business Head
Isabella Williams
isabella.williams@bank.com
+1 555 0110
Portfolio: $2.11B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $4.76M | $3.12M | $7.87M | 77.7% | 1 | Normal |
| 2026-05 | $4.92M | $2.73M | $7.66M | 73.8% | 1 | OLEM |
| 2026-04 | $4.41M | $3.11M | $7.52M | 69.6% | 1 | OLEM |
| 2026-03 | $4.49M | $2.74M | $7.23M | 67.1% | 1 | OLEM |
| 2026-02 | $4.40M | $2.63M | $7.02M | 64.4% | 1 | OLEM |
| 2026-01 | $3.86M | $2.77M | $6.63M | 60.0% | 1 | OLEM |
| 2025-12 | $4.14M | $2.23M | $6.37M | 65.1% | 1 | OLEM |
| 2025-11 | $4.05M | $2.32M | $6.37M | 64.0% | 1 | OLEM |
| 2025-10 | $3.59M | $2.39M | $5.98M | 62.1% | 1 | OLEM |
| 2025-09 | $3.74M | $2.51M | $6.25M | 60.2% | 1 | OLEM |
| 2025-08 | $3.16M | $2.86M | $6.02M | 56.5% | 1 | OLEM |
| 2025-07 | $3.57M | $2.74M | $6.31M | 61.6% | 1 | OLEM |