Granite Pharma Group
CIF-01078 · U76077CA2014PLC101078 · Education · Syndicated · Canada
RM: Michael Miller
Credit Risk Manager: Andrew Garcia
Exposure: $21.06M
CBRB: Normal
Internal: Normal
Risk Score:44 · Medium
Total Exposure
$21.06M
Prev: $20.10M4.8%
Utilization
80.6%
Prev: 78.8%1.8pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
3
C 0
H 2
M 0
L 1
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 · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/11/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Open | Sophia Thompson | — |
| 12/23/2025 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | In Review | Amelia Thomas | — |
| 3/28/2026 | Rating Downgrade | High | Borrower rating migrated from Normal to Normal. | In Review | Lucas White | — |
AI Risk Score
44
/ 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+20
CBRB Rating Migration+15
Industry Concentration+8
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 4.8% month-over-month, currently at $21.06M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 80.6% — 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
Michael Miller
michael.miller@bank.com
+1 555 0033
Portfolio: $2.26B
Credit Risk Manager
Andrew Garcia
andrew.garcia@bank.com
+1 555 0121
Portfolio: $2.16B
Business Head
Ryan Harris
ryan.harris@bank.com
+1 555 0187
Portfolio: $1.96B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $13.38M | $7.68M | $21.06M | 80.6% | 2 | Normal |
| 2026-05 | $13.35M | $6.74M | $20.10M | 78.8% | 2 | Normal |
| 2026-04 | $12.25M | $6.76M | $19.00M | 74.4% | 3 | Normal |
| 2026-03 | $10.26M | $8.11M | $18.37M | 70.2% | 3 | Normal |
| 2026-02 | $9.88M | $8.81M | $18.69M | 72.5% | 3 | Normal |
| 2026-01 | $11.70M | $7.93M | $19.62M | 70.5% | 3 | Normal |
| 2025-12 | $11.75M | $6.88M | $18.63M | 73.7% | 4 | Normal |
| 2025-11 | $9.45M | $8.36M | $17.81M | 69.3% | 4 | Normal |
| 2025-10 | $11.87M | $6.79M | $18.66M | 69.2% | 4 | Normal |
| 2025-09 | $9.80M | $8.25M | $18.04M | 73.5% | 4 | Normal |
| 2025-08 | $11.18M | $6.35M | $17.53M | 71.3% | 4 | Normal |
| 2025-07 | $9.39M | $7.28M | $16.67M | 75.2% | 5 | Normal |