Bridgewater Agro Co.
CIF-01012 · U76011GE2014PLC101012 · Energy & Utilities · Commercial · Germany
RM: Mia Rodriguez
Credit Risk Manager: Harper Davis
Exposure: $33.86M
CBRB: Substandard
Internal: Substandard
Risk Score:56 · Medium
Total Exposure
$33.86M
Prev: $35.26M4.0%
Utilization
15.5%
Prev: 10.3%5.2pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
Substandard
Prev: OLEM
Internal Rating
Substandard
Prev: Substandard
Open Alerts
1
C 0
H 0
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
SubstandardStart
2025-04
OLEMUpgrade
2026-06
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/10/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Open | Ava Johnson | — |
| 3/28/2026 | Rating Upgrade | Medium | Borrower rating improved to Substandard. | Dismissed | James Smith | — |
AI Risk Score
56
/ 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
CBRB Rating Migration+27
Industry Concentration+16
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
Utilization Level+4
AI Risk Commentary
AI
Customer exposure decreased by 4.0% month-over-month, currently at $33.86M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating deteriorated from OLEM to Substandard. Current utilization is 15.5%. 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
Mia Rodriguez
mia.rodriguez@bank.com
+1 555 0132
Portfolio: $2.26B
Credit Risk Manager
Harper Davis
harper.davis@bank.com
+1 555 0220
Portfolio: $2.09B
Business Head
James Smith
james.smith@bank.com
+1 555 0011
Portfolio: $2.05B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $18.36M | $15.50M | $33.86M | 15.5% | 3 | Substandard |
| 2026-05 | $22.90M | $12.36M | $35.26M | 10.3% | 3 | OLEM |
| 2026-04 | $19.51M | $13.66M | $33.17M | 16.1% | 3 | OLEM |
| 2026-03 | $17.39M | $14.40M | $31.79M | 17.9% | 3 | OLEM |
| 2026-02 | $19.30M | $13.69M | $32.99M | 17.9% | 3 | OLEM |
| 2026-01 | $20.30M | $13.35M | $33.65M | 12.4% | 3 | OLEM |
| 2025-12 | $22.84M | $12.27M | $35.10M | 11.2% | 3 | OLEM |
| 2025-11 | $19.95M | $14.95M | $34.90M | 12.1% | 3 | OLEM |
| 2025-10 | $22.94M | $13.34M | $36.27M | 15.1% | 3 | OLEM |
| 2025-09 | $21.31M | $14.56M | $35.87M | 17.1% | 3 | OLEM |
| 2025-08 | $19.09M | $16.88M | $35.98M | 22.0% | 3 | OLEM |
| 2025-07 | $24.02M | $13.63M | $37.65M | 21.4% | 3 | OLEM |