Bluewave Manufacturing LLC
CIF-01025 · U76024AU2014PLC101025 · Agriculture · Public Sector · Australia
RM: Lucas White
Credit Risk Manager: Sophia Thompson
Exposure: $8.60M
CBRB: Normal
Internal: Normal
Risk Score:48 · Medium
Total Exposure
$8.60M
Prev: $9.00M4.4%
Utilization
91.7%
Prev: 92.9%1.2pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
1
C 0
H 1
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 · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 12/19/2025 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Dismissed | Amelia Thomas | — |
| 6/7/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Dismissed | Charlotte Perez | — |
| 1/4/2026 | Rating Downgrade | High | Borrower rating migrated from Normal to Normal. | Open | Harper Davis | — |
| 4/29/2026 | Rating Downgrade | High | Borrower rating migrated from Normal to Normal. | Dismissed | James Smith | — |
AI Risk Score
48
/ 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+23
CBRB Rating Migration+15
Industry Concentration+14
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 4.4% month-over-month, currently at $8.60M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 91.7% — 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
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 | $5.54M | $3.06M | $8.60M | 91.7% | 3 | Normal |
| 2026-05 | $4.77M | $4.22M | $9.00M | 92.9% | 3 | Normal |
| 2026-04 | $5.34M | $3.26M | $8.60M | 87.3% | 3 | Normal |
| 2026-03 | $4.83M | $3.30M | $8.13M | 81.5% | 3 | Normal |
| 2026-02 | $4.76M | $3.60M | $8.36M | 84.9% | 3 | Normal |
| 2026-01 | $4.97M | $3.19M | $8.16M | 90.5% | 3 | Normal |
| 2025-12 | $4.76M | $3.14M | $7.90M | 93.5% | 3 | Normal |
| 2025-11 | $4.70M | $3.38M | $8.07M | 91.0% | 3 | Normal |
| 2025-10 | $4.59M | $2.97M | $7.57M | 85.6% | 3 | Normal |
| 2025-09 | $3.81M | $3.35M | $7.16M | 82.5% | 3 | Normal |
| 2025-08 | $4.56M | $2.96M | $7.52M | 79.0% | 3 | Normal |
| 2025-07 | $4.95M | $2.61M | $7.57M | 74.3% | 3 | Normal |