Cardinal Agro LLC
CIF-00808 · U75807GE2014PLC100808 · Real Estate · Syndicated · Germany
RM: Sophia Thompson
Credit Risk Manager: Charlotte Perez
Exposure: $29.75M
CBRB: Loss
Internal: Loss
Risk Score:96 · Critical
Total Exposure
$29.75M
Prev: $29.82M0.2%
Utilization
32.6%
Prev: 27.3%5.3pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
Loss
Prev: Doubtful
Internal Rating
Loss
Prev: Doubtful
Open Alerts
1
C 1
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
SubstandardStart
2025-06
DoubtfulDowngrade
2026-05
LossDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/11/2026 | Rating Downgrade | Critical | Borrower rating migrated from Doubtful to Loss. | Open | Isabella Williams | — |
| 3/11/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Dismissed | Mia Rodriguez | — |
| 6/1/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Dismissed | Amelia Thomas | — |
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+10
Utilization Level+8
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 0.2% month-over-month, currently at $29.75M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating deteriorated from Doubtful to Loss. Current utilization is 32.6%. 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
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
Credit Risk Manager
Charlotte Perez
charlotte.perez@bank.com
+1 555 0176
Portfolio: $2.23B
Business Head
Ella Anderson
ella.anderson@bank.com
+1 555 0242
Portfolio: $1.99B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $19.59M | $10.16M | $29.75M | 32.6% | 5 | Loss |
| 2026-05 | $17.00M | $12.83M | $29.82M | 27.3% | 5 | Loss |
| 2026-04 | $18.25M | $9.99M | $28.24M | 28.3% | 5 | Doubtful |
| 2026-03 | $14.83M | $11.64M | $26.47M | 31.5% | 5 | Doubtful |
| 2026-02 | $17.14M | $9.17M | $26.31M | 34.2% | 5 | Doubtful |
| 2026-01 | $15.66M | $9.59M | $25.26M | 39.9% | 4 | Doubtful |
| 2025-12 | $13.60M | $10.94M | $24.54M | 37.9% | 4 | Doubtful |
| 2025-11 | $15.95M | $8.21M | $24.16M | 36.9% | 4 | Doubtful |
| 2025-10 | $12.99M | $10.56M | $23.55M | 38.7% | 4 | Doubtful |
| 2025-09 | $14.97M | $9.72M | $24.69M | 42.8% | 4 | Doubtful |
| 2025-08 | $15.76M | $9.90M | $25.66M | 38.3% | 4 | Doubtful |
| 2025-07 | $13.93M | $10.63M | $24.56M | 39.5% | 4 | Doubtful |