Coastal Energy PLC
CIF-00950 · U75949UK2014PLC100950 · Construction · Micro Enterprise · UK
RM: Lucas White
Credit Risk Manager: Sophia Thompson
Exposure: $35.54M
CBRB: Loss
Internal: Loss
Risk Score:100 · Critical
Total Exposure
$35.54M
Prev: $36.79M3.4%
Utilization
54.4%
Prev: 52.5%1.9pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Loss
Prev: Loss
Internal Rating
Loss
Prev: Loss
Open Alerts
2
C 0
H 0
M 1
L 1
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 Loss.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 6
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 3/12/2026 | Rating Upgrade | Medium | Borrower rating improved to Loss. | Resolved | Harper Davis | 3/12/2026 |
| 6/4/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Dismissed | Ella Anderson | — |
| 6/6/2026 | Rating Upgrade | Low | Borrower rating improved to Loss. | In Review | Ella Anderson | — |
| 5/10/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | In Review | Harper Davis | — |
| 4/19/2026 | Rating Upgrade | Low | Borrower rating improved to Loss. | Resolved | Mia Rodriguez | 4/19/2026 |
| 3/25/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Dismissed | Isabella Williams | — |
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+39
Utilization Level+14
Industry Concentration+12
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 3.4% month-over-month, currently at $35.54M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from Loss to Loss. Current utilization is 54.4%. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
Credit Risk Manager
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
Business Head
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $21.47M | $14.08M | $35.54M | 54.4% | 2 | Loss |
| 2026-05 | $21.67M | $15.12M | $36.79M | 52.5% | 2 | Loss |
| 2026-04 | $19.81M | $14.61M | $34.42M | 55.2% | 2 | Loss |
| 2026-03 | $23.03M | $12.23M | $35.26M | 52.3% | 2 | Loss |
| 2026-02 | $18.92M | $15.66M | $34.58M | 50.6% | 2 | Loss |
| 2026-01 | $20.33M | $13.38M | $33.71M | 56.2% | 2 | Loss |
| 2025-12 | $22.04M | $11.90M | $33.94M | 61.6% | 2 | Loss |
| 2025-11 | $21.19M | $12.86M | $34.05M | 59.5% | 2 | Loss |
| 2025-10 | $21.10M | $13.06M | $34.16M | 53.5% | 2 | Loss |
| 2025-09 | $19.37M | $16.27M | $35.64M | 57.1% | 1 | Loss |
| 2025-08 | $19.45M | $13.97M | $33.42M | 54.0% | 1 | Loss |
| 2025-07 | $19.27M | $13.10M | $32.37M | 57.8% | 1 | Loss |