Beacon Industries PLC
CIF-00844 · U75843JA2014PLC100844 · Agriculture · Mid Corporate · Japan
RM: Benjamin Jones
Credit Risk Manager: Sarah Brown
Exposure: $48.21M
CBRB: Substandard
Internal: Substandard
Risk Score:65 · High
Total Exposure
$48.21M
Prev: $49.64M2.9%
Utilization
30.4%
Prev: 36.1%5.7pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
Substandard
Prev: Substandard
Open Alerts
3
C 2
H 0
M 0
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
2025-06
OLEMDowngrade
2026-03
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/2/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | In Review | Michael Miller | — |
| 3/22/2026 | Rating Downgrade | Critical | Borrower rating migrated from Substandard to Substandard. | Open | Emily Martinez | — |
| 6/7/2026 | Rating Downgrade | Critical | Borrower rating migrated from Substandard to Substandard. | Open | Christopher Lopez | — |
AI Risk Score
65
/ 100
High 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+27
Banking Relationship Growth+15
Industry Concentration+12
Utilization Level+8
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 2.9% month-over-month, currently at $48.21M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 30.4%. Overall borrower risk is assessed as high.
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 | $28.56M | $19.64M | $48.21M | 30.4% | 5 | Substandard |
| 2026-05 | $30.63M | $19.01M | $49.64M | 36.1% | 5 | Substandard |
| 2026-04 | $27.42M | $21.87M | $49.29M | 32.5% | 5 | Substandard |
| 2026-03 | $30.21M | $20.41M | $50.62M | 26.9% | 5 | Substandard |
| 2026-02 | $26.60M | $23.87M | $50.48M | 29.7% | 5 | OLEM |
| 2026-01 | $28.38M | $21.96M | $50.34M | 29.1% | 5 | OLEM |
| 2025-12 | $29.28M | $18.08M | $47.36M | 33.2% | 4 | OLEM |
| 2025-11 | $30.62M | $16.15M | $46.77M | 34.9% | 4 | OLEM |
| 2025-10 | $28.21M | $18.56M | $46.77M | 32.3% | 4 | OLEM |
| 2025-09 | $27.57M | $16.44M | $44.01M | 35.3% | 4 | OLEM |
| 2025-08 | $24.85M | $17.67M | $42.52M | 30.9% | 4 | OLEM |
| 2025-07 | $24.80M | $19.76M | $44.56M | 29.7% | 4 | OLEM |