Westwood Manufacturing Inc
CIF-00851 · U75850UK2014PLC100851 · Real Estate · Financial Institution · UK
RM: James Smith
Credit Risk Manager: Matthew Sanchez
Exposure: $48.75M
CBRB: Substandard
Internal: OLEM
Risk Score:60 · Medium
Total Exposure
$48.75M
Prev: $46.56M4.7%
Utilization
42.3%
Prev: 45.5%3.2pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
OLEM
Prev: OLEM
Open Alerts
2
C 1
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
OLEMStart
2025-07
SubstandardDowngrade
2026-01
DoubtfulDowngrade
2026-02
SubstandardUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 3/3/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | In Review | Harper Davis | — |
| 6/3/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Open | Michael Miller | — |
AI Risk Score
60
/ 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+27
Industry Concentration+12
Utilization Level+11
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 4.7% month-over-month, currently at $48.75M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 42.3%. 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
James Smith
james.smith@bank.com
+1 555 0011
Portfolio: $2.05B
Credit Risk Manager
Matthew Sanchez
matthew.sanchez@bank.com
+1 555 0099
Portfolio: $2.20B
Business Head
Joseph Jackson
joseph.jackson@bank.com
+1 555 0165
Portfolio: $2.24B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $29.45M | $19.30M | $48.75M | 42.3% | 4 | Substandard |
| 2026-05 | $27.27M | $19.29M | $46.56M | 45.5% | 4 | Substandard |
| 2026-04 | $27.96M | $16.41M | $44.36M | 46.5% | 4 | Substandard |
| 2026-03 | $29.66M | $14.38M | $44.04M | 40.9% | 4 | Substandard |
| 2026-02 | $25.23M | $18.74M | $43.97M | 36.7% | 4 | Substandard |
| 2026-01 | $28.85M | $16.81M | $45.66M | 36.0% | 4 | Doubtful |
| 2025-12 | $27.86M | $18.55M | $46.41M | 41.5% | 4 | Substandard |
| 2025-11 | $25.96M | $20.97M | $46.94M | 39.3% | 4 | Substandard |
| 2025-10 | $29.61M | $18.94M | $48.55M | 40.5% | 4 | Substandard |
| 2025-09 | $31.02M | $17.30M | $48.33M | 36.0% | 4 | Substandard |
| 2025-08 | $27.22M | $20.72M | $47.95M | 37.8% | 4 | Substandard |
| 2025-07 | $26.74M | $21.44M | $48.17M | 37.9% | 4 | Substandard |