Sterling Mining Inc
CIF-01063 · U76062CA2014PLC101063 · Healthcare · Micro Enterprise · Canada
RM: Christopher Lopez
Credit Risk Manager: Nathan Hernandez
Exposure: $14.97M
CBRB: Normal
Internal: Normal
Risk Score:39 · Medium
Total Exposure
$14.97M
Prev: $15.52M3.5%
Utilization
76.7%
Prev: 77.0%0.3pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
0
C 0
H 0
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 · 1
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/5/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Dismissed | David Wilson | — |
AI Risk Score
39
/ 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+19
CBRB Rating Migration+15
Industry Concentration+12
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 3.5% month-over-month, currently at $14.97M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 76.7% — 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
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
Credit Risk Manager
Nathan Hernandez
nathan.hernandez@bank.com
+1 555 0231
Portfolio: $1.79B
Business Head
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $8.32M | $6.66M | $14.97M | 76.7% | 2 | Normal |
| 2026-05 | $8.30M | $7.22M | $15.52M | 77.0% | 2 | Normal |
| 2026-04 | $8.09M | $7.17M | $15.26M | 73.1% | 2 | Normal |
| 2026-03 | $8.77M | $7.27M | $16.05M | 72.6% | 2 | Normal |
| 2026-02 | $9.27M | $6.61M | $15.89M | 67.7% | 2 | Normal |
| 2026-01 | $10.02M | $5.93M | $15.95M | 68.6% | 2 | Normal |
| 2025-12 | $8.99M | $6.78M | $15.77M | 66.8% | 2 | Normal |
| 2025-11 | $10.87M | $5.45M | $16.32M | 63.2% | 2 | Normal |
| 2025-10 | $11.38M | $5.66M | $17.04M | 64.9% | 2 | Normal |
| 2025-09 | $11.39M | $5.67M | $17.05M | 61.4% | 2 | Normal |
| 2025-08 | $9.71M | $7.16M | $16.87M | 62.9% | 2 | Normal |
| 2025-07 | $10.49M | $7.05M | $17.55M | 68.8% | 2 | Normal |