Southfield Agro SA
CIF-00907 · U75906US2014PLC100907 · Retail Trade · Project Finance · USA
RM: Daniel Martin
Credit Risk Manager: Joseph Jackson
Exposure: $4.78M
CBRB: Normal
Internal: Normal
Risk Score:38 · Medium
Total Exposure
$4.78M
Prev: $4.61M3.6%
Utilization
74.7%
Prev: 69.0%5.7pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
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
No rating changes in the last 24 months. Currently Normal.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/28/2026 | Rating Downgrade | Critical | Borrower rating migrated from Normal to Normal. | Resolved | Isabella Williams | 4/28/2026 |
| 5/5/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Ava Johnson | — |
| 6/11/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Resolved | Mia Rodriguez | 6/11/2026 |
| 4/20/2026 | Rating Upgrade | Medium | Borrower rating improved to Normal. | In Review | Christopher Lopez | — |
AI Risk Score
38
/ 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
Utilization Level+19
Industry Concentration+16
CBRB Rating Migration+15
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 3.6% month-over-month, currently at $4.78M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 74.7% — above the 70% early warning threshold. Overall borrower risk is assessed as medium.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Daniel Martin
daniel.martin@bank.com
+1 555 0077
Portfolio: $2.17B
Credit Risk Manager
Joseph Jackson
joseph.jackson@bank.com
+1 555 0165
Portfolio: $2.24B
Business Head
Nathan Hernandez
nathan.hernandez@bank.com
+1 555 0231
Portfolio: $1.79B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $3.03M | $1.74M | $4.78M | 74.7% | 2 | Normal |
| 2026-05 | $3.09M | $1.52M | $4.61M | 69.0% | 2 | Normal |
| 2026-04 | $3.05M | $1.73M | $4.79M | 63.8% | 2 | Normal |
| 2026-03 | $2.52M | $2.11M | $4.63M | 59.5% | 2 | Normal |
| 2026-02 | $2.48M | $2.00M | $4.48M | 54.4% | 2 | Normal |
| 2026-01 | $2.77M | $1.62M | $4.39M | 53.6% | 2 | Normal |
| 2025-12 | $2.97M | $1.61M | $4.59M | 52.1% | 2 | Normal |
| 2025-11 | $3.01M | $1.46M | $4.47M | 50.1% | 2 | Normal |
| 2025-10 | $2.63M | $1.68M | $4.31M | 45.1% | 3 | Normal |
| 2025-09 | $2.47M | $1.91M | $4.38M | 42.0% | 3 | Normal |
| 2025-08 | $2.64M | $1.69M | $4.32M | 39.1% | 3 | Normal |
| 2025-07 | $2.44M | $1.75M | $4.19M | 44.8% | 3 | Normal |