Sapphire Maritime Group
CIF-00863 · U75862AU2014PLC100863 · Financial Services · Syndicated · Australia
RM: Christopher Lopez
Credit Risk Manager: Nathan Hernandez
Exposure: $23.99M
CBRB: Doubtful
Internal: Loss
Risk Score:100 · Critical
Total Exposure
$23.99M
Prev: $25.14M4.6%
Utilization
92.0%
Prev: 90.0%2.0pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
Doubtful
Prev: Substandard
Internal Rating
Loss
Prev: Loss
Open Alerts
1
C 0
H 1
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
NormalStart
2025-05
OLEMDowngrade
2026-01
SubstandardDowngrade
2026-04
DoubtfulDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 1
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 2/15/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Andrew Garcia | — |
AI Risk Score
100
/ 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+33
Utilization Level+23
Banking Relationship Growth+15
Industry Concentration+15
Internal Rating Drift+12
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure decreased by 4.6% month-over-month, currently at $23.99M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating deteriorated from Substandard to Doubtful. Current utilization is 92.0% — above the 70% early warning threshold. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
Credit Risk Manager
Nathan Hernandez
nathan.hernandez@bank.com
+1 555 0231
Portfolio: $1.79B
Business Head
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $13.15M | $10.85M | $23.99M | 92.0% | 5 | Doubtful |
| 2026-05 | $14.10M | $11.04M | $25.14M | 90.0% | 5 | Doubtful |
| 2026-04 | $17.44M | $8.51M | $25.94M | 86.7% | 5 | Doubtful |
| 2026-03 | $16.78M | $8.31M | $25.09M | 90.8% | 6 | Substandard |
| 2026-02 | $15.30M | $9.26M | $24.56M | 87.0% | 6 | Substandard |
| 2026-01 | $16.41M | $8.36M | $24.76M | 91.2% | 6 | Substandard |
| 2025-12 | $14.27M | $10.97M | $25.24M | 89.6% | 6 | OLEM |
| 2025-11 | $15.10M | $9.43M | $24.53M | 89.8% | 6 | OLEM |
| 2025-10 | $13.69M | $11.76M | $25.45M | 94.1% | 6 | OLEM |
| 2025-09 | $16.61M | $8.51M | $25.12M | 88.5% | 6 | OLEM |
| 2025-08 | $13.99M | $10.31M | $24.30M | 84.6% | 6 | OLEM |
| 2025-07 | $12.67M | $10.97M | $23.64M | 82.8% | 6 | OLEM |