Ironclad Manufacturing SA
CIF-00991 · U75990SI2014PLC100991 · Manufacturing · Project Finance · Singapore
RM: Charlotte Perez
Credit Risk Manager: Grace Lee
Exposure: $10.24M
CBRB: OLEM
Internal: Normal
Risk Score:69 · High
Total Exposure
$10.24M
Prev: $10.10M1.4%
Utilization
84.7%
Prev: 80.2%4.5pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
OLEM
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
2
C 0
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
2026-04
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 5/1/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Open | Charlotte Perez | — |
| 4/26/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Resolved | Nathan Hernandez | 4/26/2026 |
| 6/5/2026 | Rating Downgrade | High | Borrower rating migrated from Normal to OLEM. | In Review | Olivia Taylor | — |
AI Risk Score
69
/ 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
Industry Concentration+16
Banking Relationship Growth+15
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 1.4% month-over-month, currently at $10.24M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating deteriorated from Normal to OLEM. Current utilization is 84.7% — above the 70% early warning threshold. Overall borrower risk is assessed as high.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Charlotte Perez
charlotte.perez@bank.com
+1 555 0176
Portfolio: $2.23B
Credit Risk Manager
Grace Lee
grace.lee@bank.com
+1 555 0264
Portfolio: $2.12B
Business Head
David Wilson
david.wilson@bank.com
+1 555 0055
Portfolio: $2.35B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $5.88M | $4.36M | $10.24M | 84.7% | 5 | OLEM |
| 2026-05 | $6.33M | $3.77M | $10.10M | 80.2% | 5 | OLEM |
| 2026-04 | $5.37M | $4.78M | $10.15M | 83.4% | 5 | OLEM |
| 2026-03 | $6.22M | $4.29M | $10.51M | 79.4% | 5 | Normal |
| 2026-02 | $6.50M | $4.39M | $10.89M | 78.9% | 4 | Normal |
| 2026-01 | $6.04M | $4.97M | $11.01M | 79.3% | 4 | Normal |
| 2025-12 | $6.48M | $4.94M | $11.42M | 73.5% | 5 | Normal |
| 2025-11 | $6.84M | $3.92M | $10.76M | 73.4% | 5 | Normal |
| 2025-10 | $7.46M | $3.77M | $11.23M | 72.2% | 5 | Normal |
| 2025-09 | $7.43M | $4.10M | $11.53M | 72.8% | 5 | Normal |
| 2025-08 | $6.15M | $4.75M | $10.91M | 78.7% | 6 | Normal |
| 2025-07 | $5.94M | $4.43M | $10.37M | 79.8% | 6 | Normal |