Granite Technologies Co.
CIF-00876 · U75875SI2014PLC100876 · Healthcare · Project Finance · Singapore
RM: James Smith
Credit Risk Manager: Matthew Sanchez
Exposure: $8.68M
CBRB: Substandard
Internal: Doubtful
Risk Score:71 · High
Total Exposure
$8.68M
Prev: $8.40M3.3%
Utilization
74.1%
Prev: 69.1%5.0pp
Banking Relationships
2
Prev: 31.0
CBRB Rating
Substandard
Prev: Doubtful
Internal Rating
Doubtful
Prev: Substandard
Open Alerts
3
C 0
H 0
M 1
L 2
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
2025-09
DoubtfulDowngrade
2026-04
SubstandardUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 6
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/10/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Dismissed | Nathan Hernandez | — |
| 2/22/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Open | Christopher Lopez | — |
| 6/3/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Resolved | Andrew Garcia | 6/3/2026 |
| 4/10/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Dismissed | Charlotte Perez | — |
| 3/13/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | Matthew Sanchez | — |
| 4/23/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | In Review | Mia Rodriguez | — |
AI Risk Score
71
/ 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
Utilization Level+19
Industry Concentration+14
Internal Rating Drift+12
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 3.3% month-over-month, currently at $8.68M. Banking relationships moved from 3 to 2 banks per CBRB data. CBRB rating improved from Doubtful to Substandard. Current utilization is 74.1% — above the 70% early warning threshold. Overall borrower risk is assessed as high.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate 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 | $5.04M | $3.64M | $8.68M | 74.1% | 2 | Substandard |
| 2026-05 | $4.87M | $3.53M | $8.40M | 69.1% | 3 | Substandard |
| 2026-04 | $5.69M | $2.89M | $8.58M | 71.1% | 3 | Substandard |
| 2026-03 | $4.85M | $4.07M | $8.92M | 73.4% | 3 | Doubtful |
| 2026-02 | $4.98M | $3.91M | $8.89M | 73.2% | 3 | Doubtful |
| 2026-01 | $5.21M | $3.12M | $8.32M | 71.8% | 3 | Doubtful |
| 2025-12 | $5.30M | $2.66M | $7.96M | 76.5% | 4 | Doubtful |
| 2025-11 | $5.05M | $3.04M | $8.09M | 75.6% | 4 | Doubtful |
| 2025-10 | $5.04M | $3.15M | $8.19M | 75.1% | 4 | Doubtful |
| 2025-09 | $5.12M | $3.27M | $8.39M | 76.9% | 3 | Doubtful |
| 2025-08 | $4.99M | $3.51M | $8.50M | 79.0% | 3 | Substandard |
| 2025-07 | $4.85M | $3.20M | $8.05M | 73.4% | 4 | Substandard |