Coastal Foods PLC
CIF-00973 · U75972UK2014PLC100973 · Energy & Utilities · Commercial · UK
RM: Jacob Moore
Credit Risk Manager: Olivia Taylor
Exposure: $18.22M
CBRB: OLEM
Internal: OLEM
Risk Score:76 · High
Total Exposure
$18.22M
Prev: $17.60M3.5%
Utilization
83.4%
Prev: 79.1%4.3pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
OLEM
Prev: Normal
Internal Rating
OLEM
Prev: Normal
Open Alerts
3
C 1
H 1
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
2024-07
NormalStart
2026-06
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/7/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Resolved | Matthew Sanchez | 6/7/2026 |
| 6/1/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Andrew Garcia | — |
| 5/16/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Open | Ryan Harris | — |
| 1/6/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | In Review | Joseph Jackson | — |
AI Risk Score
76
/ 100
High 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+21
Utilization Level+21
Banking Relationship Growth+15
Industry Concentration+9
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 3.5% month-over-month, currently at $18.22M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating deteriorated from Normal to OLEM. Current utilization is 83.4% — above the 70% early warning threshold. Overall borrower risk is assessed as high. 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
Jacob Moore
jacob.moore@bank.com
+1 555 0253
Portfolio: $2.23B
Credit Risk Manager
Olivia Taylor
olivia.taylor@bank.com
+1 555 0066
Portfolio: $2.26B
Business Head
Mia Rodriguez
mia.rodriguez@bank.com
+1 555 0132
Portfolio: $2.26B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $10.43M | $7.79M | $18.22M | 83.4% | 5 | OLEM |
| 2026-05 | $10.97M | $6.63M | $17.60M | 79.1% | 5 | Normal |
| 2026-04 | $11.08M | $5.42M | $16.50M | 78.5% | 5 | Normal |
| 2026-03 | $10.39M | $6.96M | $17.35M | 73.8% | 4 | Normal |
| 2026-02 | $10.46M | $6.11M | $16.58M | 68.1% | 4 | Normal |
| 2026-01 | $9.41M | $7.81M | $17.21M | 72.3% | 4 | Normal |
| 2025-12 | $10.32M | $6.24M | $16.56M | 67.2% | 3 | Normal |
| 2025-11 | $9.85M | $6.42M | $16.26M | 64.3% | 3 | Normal |
| 2025-10 | $11.39M | $5.49M | $16.87M | 59.9% | 3 | Normal |
| 2025-09 | $11.61M | $6.10M | $17.71M | 55.0% | 3 | Normal |
| 2025-08 | $9.40M | $7.44M | $16.84M | 49.4% | 3 | Normal |
| 2025-07 | $9.15M | $7.57M | $16.73M | 45.8% | 3 | Normal |