Vertex Enterprises Group
CIF-00859 · U75858AU2014PLC100859 · Energy & Utilities · Trade Finance · Australia
RM: Matthew Sanchez
Credit Risk Manager: Ryan Harris
Exposure: $35.92M
CBRB: Normal
Internal: Normal
Risk Score:31 · Medium
Total Exposure
$35.92M
Prev: $36.26M0.9%
Utilization
52.4%
Prev: 50.8%1.6pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
2
C 1
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
No rating changes in the last 24 months. Currently Normal.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/9/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Open | Charlotte Perez | — |
| 5/2/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Resolved | Sophia Thompson | 5/2/2026 |
| 2/23/2026 | Rating Downgrade | Critical | Borrower rating migrated from Normal to Normal. | Open | Benjamin Jones | — |
AI Risk Score
31
/ 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+15
Utilization Level+13
Industry Concentration+11
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 0.9% month-over-month, currently at $35.92M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 52.4%. 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
Matthew Sanchez
matthew.sanchez@bank.com
+1 555 0099
Portfolio: $2.20B
Credit Risk Manager
Ryan Harris
ryan.harris@bank.com
+1 555 0187
Portfolio: $1.96B
Business Head
Jacob Moore
jacob.moore@bank.com
+1 555 0253
Portfolio: $2.23B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $19.44M | $16.48M | $35.92M | 52.4% | 4 | Normal |
| 2026-05 | $23.85M | $12.41M | $36.26M | 50.8% | 4 | Normal |
| 2026-04 | $21.09M | $13.19M | $34.29M | 48.2% | 4 | Normal |
| 2026-03 | $20.27M | $14.92M | $35.18M | 43.0% | 3 | Normal |
| 2026-02 | $20.20M | $13.95M | $34.15M | 43.6% | 4 | Normal |
| 2026-01 | $21.92M | $10.72M | $32.65M | 41.1% | 4 | Normal |
| 2025-12 | $16.94M | $15.04M | $31.98M | 39.3% | 4 | Normal |
| 2025-11 | $20.84M | $11.59M | $32.44M | 42.3% | 5 | Normal |
| 2025-10 | $19.17M | $13.76M | $32.93M | 38.5% | 5 | Normal |
| 2025-09 | $18.25M | $15.06M | $33.31M | 39.3% | 5 | Normal |
| 2025-08 | $19.90M | $12.92M | $32.82M | 36.0% | 5 | Normal |
| 2025-07 | $20.37M | $12.16M | $32.53M | 40.6% | 5 | Normal |