Atlas Agro Group
CIF-01074 · U76073UA2014PLC101074 · Healthcare · Trade Finance · UAE
RM: Grace Lee
Credit Risk Manager: Daniel Martin
Exposure: $11.97M
CBRB: Loss
Internal: Loss
Risk Score:100 · Critical
Total Exposure
$11.97M
Prev: $11.83M1.2%
Utilization
74.2%
Prev: 74.2%0.0pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Loss
Prev: Doubtful
Internal Rating
Loss
Prev: Doubtful
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
DoubtfulStart
2026-05
LossDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 5/2/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Open | Mia Rodriguez | — |
| 2/7/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Dismissed | Amelia Thomas | — |
AI Risk Score
100
/ 100
Critical 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+39
Utilization Level+19
Industry Concentration+11
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 1.2% month-over-month, currently at $11.97M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating deteriorated from Doubtful to Loss. Current utilization is 74.2% — above the 70% early warning threshold. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Grace Lee
grace.lee@bank.com
+1 555 0264
Portfolio: $2.12B
Credit Risk Manager
Daniel Martin
daniel.martin@bank.com
+1 555 0077
Portfolio: $2.17B
Business Head
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $6.30M | $5.66M | $11.97M | 74.2% | 4 | Loss |
| 2026-05 | $7.04M | $4.79M | $11.83M | 74.2% | 4 | Loss |
| 2026-04 | $7.71M | $4.68M | $12.39M | 77.6% | 4 | Doubtful |
| 2026-03 | $7.19M | $4.89M | $12.08M | 78.2% | 4 | Doubtful |
| 2026-02 | $7.18M | $5.01M | $12.18M | 82.9% | 4 | Doubtful |
| 2026-01 | $7.33M | $4.70M | $12.02M | 82.4% | 4 | Doubtful |
| 2025-12 | $6.20M | $5.43M | $11.63M | 80.0% | 4 | Doubtful |
| 2025-11 | $6.60M | $5.22M | $11.81M | 77.6% | 4 | Doubtful |
| 2025-10 | $8.14M | $4.03M | $12.17M | 79.6% | 4 | Doubtful |
| 2025-09 | $7.75M | $4.70M | $12.45M | 74.9% | 4 | Doubtful |
| 2025-08 | $6.51M | $5.72M | $12.23M | 72.1% | 4 | Doubtful |
| 2025-07 | $6.58M | $5.06M | $11.64M | 68.6% | 4 | Doubtful |