Crescent Maritime Group
CIF-01050 · U76049CA2014PLC101050 · Financial Services · Project Finance · Canada
RM: Lucas White
Credit Risk Manager: Sophia Thompson
Exposure: $50.58M
CBRB: Substandard
Internal: OLEM
Risk Score:64 · High
Total Exposure
$50.58M
Prev: $52.11M2.9%
Utilization
37.6%
Prev: 37.4%0.2pp
Banking Relationships
6
Prev: 60.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
OLEM
Prev: OLEM
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
2024-07
NormalStart
2024-10
OLEMDowngrade
2025-03
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/8/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Open | Mia Rodriguez | — |
| 12/15/2025 | Rating Downgrade | Critical | Borrower rating migrated from Substandard to Substandard. | Resolved | Ava Johnson | 12/15/2025 |
| 5/1/2026 | Rating Upgrade | Low | Borrower rating improved to Substandard. | Dismissed | Harper Davis | — |
AI Risk Score
64
/ 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+27
Banking Relationship Growth+15
Industry Concentration+11
Utilization Level+9
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 2.9% month-over-month, currently at $50.58M. Banking relationships moved from 6 to 6 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 37.6%. Overall borrower risk is assessed as high.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate 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 | $33.88M | $16.70M | $50.58M | 37.6% | 6 | Substandard |
| 2026-05 | $32.75M | $19.37M | $52.11M | 37.4% | 6 | Substandard |
| 2026-04 | $28.93M | $19.78M | $48.71M | 37.7% | 6 | Substandard |
| 2026-03 | $29.40M | $20.42M | $49.82M | 36.3% | 6 | Substandard |
| 2026-02 | $25.25M | $21.53M | $46.78M | 36.7% | 6 | Substandard |
| 2026-01 | $23.83M | $21.39M | $45.22M | 35.1% | 6 | Substandard |
| 2025-12 | $25.38M | $18.31M | $43.68M | 32.4% | 6 | Substandard |
| 2025-11 | $22.95M | $20.25M | $43.20M | 36.0% | 6 | Substandard |
| 2025-10 | $29.31M | $14.31M | $43.62M | 36.0% | 6 | Substandard |
| 2025-09 | $22.84M | $18.26M | $41.10M | 39.0% | 6 | Substandard |
| 2025-08 | $21.71M | $19.55M | $41.27M | 40.0% | 6 | Substandard |
| 2025-07 | $24.22M | $17.98M | $42.20M | 38.4% | 5 | Substandard |