Coastal Group Group
CIF-00947 · U75946JA2014PLC100947 · Agriculture · Micro Enterprise · Japan
RM: Ella Anderson
Credit Risk Manager: David Wilson
Exposure: $5.66M
CBRB: Normal
Internal: Normal
Risk Score:40 · Medium
Total Exposure
$5.66M
Prev: $5.52M2.6%
Utilization
66.6%
Prev: 70.1%3.5pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
3
C 0
H 2
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 · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 3/21/2026 | Rating Downgrade | Critical | Borrower rating migrated from Normal to Normal. | Dismissed | Charlotte Perez | — |
| 4/7/2026 | Rating Downgrade | High | Borrower rating migrated from Normal to Normal. | Open | Christopher Lopez | — |
| 2/1/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Open | Nathan Hernandez | — |
| 3/28/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | In Review | James Smith | — |
| 6/2/2026 | Rating Upgrade | Low | Borrower rating improved to Normal. | Dismissed | Michael Miller | — |
AI Risk Score
40
/ 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+17
CBRB Rating Migration+15
Banking Relationship Growth+15
Industry Concentration+14
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 2.6% month-over-month, currently at $5.66M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 66.6%. 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
Ella Anderson
ella.anderson@bank.com
+1 555 0242
Portfolio: $1.99B
Credit Risk Manager
David Wilson
david.wilson@bank.com
+1 555 0055
Portfolio: $2.35B
Business Head
Andrew Garcia
andrew.garcia@bank.com
+1 555 0121
Portfolio: $2.16B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $3.24M | $2.42M | $5.66M | 66.6% | 5 | Normal |
| 2026-05 | $3.12M | $2.40M | $5.52M | 70.1% | 5 | Normal |
| 2026-04 | $3.30M | $2.46M | $5.76M | 70.2% | 5 | Normal |
| 2026-03 | $3.10M | $2.36M | $5.46M | 72.7% | 5 | Normal |
| 2026-02 | $3.07M | $2.21M | $5.28M | 66.8% | 5 | Normal |
| 2026-01 | $3.03M | $2.24M | $5.27M | 62.3% | 5 | Normal |
| 2025-12 | $3.34M | $1.72M | $5.06M | 67.0% | 5 | Normal |
| 2025-11 | $3.14M | $2.03M | $5.16M | 64.3% | 5 | Normal |
| 2025-10 | $2.99M | $1.91M | $4.90M | 63.5% | 5 | Normal |
| 2025-09 | $2.55M | $2.12M | $4.67M | 65.1% | 5 | Normal |
| 2025-08 | $2.70M | $2.16M | $4.87M | 61.1% | 5 | Normal |
| 2025-07 | $3.30M | $1.73M | $5.03M | 59.5% | 5 | Normal |