Apex Energy LLC
CIF-00927 · U75926BR2014PLC100927 · Information Technology · Project Finance · Brazil
RM: Sarah Brown
Credit Risk Manager: Isabella Williams
Exposure: $27.42M
CBRB: Doubtful
Internal: Substandard
Risk Score:96 · Critical
Total Exposure
$27.42M
Prev: $25.82M6.2%
Utilization
80.9%
Prev: 82.2%1.3pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Doubtful
Prev: Substandard
Internal Rating
Substandard
Prev: Substandard
Open Alerts
4
C 0
H 2
M 2
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
2024-10
OLEMDowngrade
2025-01
SubstandardDowngrade
2026-06
DoubtfulDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 12/22/2025 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Dismissed | Sophia Thompson | — |
| 5/7/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Open | Matthew Sanchez | — |
| 3/11/2026 | Rating Downgrade | High | Borrower rating migrated from Substandard to Doubtful. | In Review | Ryan Harris | — |
| 1/19/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | In Review | Olivia Taylor | — |
| 1/14/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | In Review | Grace Lee | — |
AI Risk Score
96
/ 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+20
Industry Concentration+8
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 6.2% month-over-month, currently at $27.42M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating deteriorated from Substandard to Doubtful. Current utilization is 80.9% — 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
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
Credit Risk Manager
Isabella Williams
isabella.williams@bank.com
+1 555 0110
Portfolio: $2.11B
Business Head
Charlotte Perez
charlotte.perez@bank.com
+1 555 0176
Portfolio: $2.23B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $14.94M | $12.48M | $27.42M | 80.9% | 4 | Doubtful |
| 2026-05 | $16.41M | $9.40M | $25.82M | 82.2% | 4 | Substandard |
| 2026-04 | $16.18M | $8.82M | $25.00M | 83.1% | 4 | Substandard |
| 2026-03 | $14.18M | $11.46M | $25.64M | 82.7% | 4 | Substandard |
| 2026-02 | $14.06M | $10.97M | $25.03M | 83.6% | 5 | Substandard |
| 2026-01 | $14.06M | $10.13M | $24.19M | 78.2% | 5 | Substandard |
| 2025-12 | $15.89M | $8.48M | $24.37M | 73.5% | 5 | Substandard |
| 2025-11 | $13.77M | $11.87M | $25.64M | 74.6% | 5 | Substandard |
| 2025-10 | $13.45M | $12.10M | $25.55M | 80.4% | 5 | Substandard |
| 2025-09 | $16.44M | $9.23M | $25.68M | 78.1% | 5 | Substandard |
| 2025-08 | $15.72M | $9.78M | $25.51M | 73.9% | 5 | Substandard |
| 2025-07 | $16.56M | $9.72M | $26.28M | 76.2% | 5 | Substandard |