Pacific Industries Inc
CIF-00964 · U75963US2014PLC100964 · Healthcare · Financial Institution · USA
RM: Amelia Thomas
Credit Risk Manager: Ella Anderson
Exposure: $40.87M
CBRB: Normal
Internal: Normal
Risk Score:51 · Medium
Total Exposure
$40.87M
Prev: $41.67M1.9%
Utilization
99.0%
Prev: 99.0%0.0pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
1
C 1
H 0
M 0
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 · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/9/2026 | Rating Upgrade | Medium | Borrower rating improved to Normal. | Resolved | Joseph Jackson | 6/9/2026 |
| 5/21/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Charlotte Perez | — |
AI Risk Score
51
/ 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+25
CBRB Rating Migration+15
Industry Concentration+10
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 1.9% month-over-month, currently at $40.87M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 99.0% — 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
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
Credit Risk Manager
Ella Anderson
ella.anderson@bank.com
+1 555 0242
Portfolio: $1.99B
Business Head
Michael Miller
michael.miller@bank.com
+1 555 0033
Portfolio: $2.26B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $24.19M | $16.68M | $40.87M | 99.0% | 1 | Normal |
| 2026-05 | $24.99M | $16.68M | $41.67M | 99.0% | 1 | Normal |
| 2026-04 | $24.44M | $14.97M | $39.41M | 97.6% | 1 | Normal |
| 2026-03 | $22.28M | $16.03M | $38.30M | 96.0% | 1 | Normal |
| 2026-02 | $24.32M | $12.59M | $36.92M | 99.0% | 1 | Normal |
| 2026-01 | $21.75M | $15.32M | $37.07M | 99.0% | 1 | Normal |
| 2025-12 | $24.31M | $14.41M | $38.71M | 96.0% | 1 | Normal |
| 2025-11 | $25.90M | $14.07M | $39.97M | 91.3% | 1 | Normal |
| 2025-10 | $22.43M | $18.52M | $40.94M | 85.6% | 1 | Normal |
| 2025-09 | $26.94M | $15.83M | $42.77M | 80.7% | 1 | Normal |
| 2025-08 | $26.64M | $15.56M | $42.20M | 77.8% | 1 | Normal |
| 2025-07 | $27.56M | $15.10M | $42.66M | 81.8% | 2 | Normal |