Lakeside Telecom PLC
CIF-01080 · U76079US2014PLC101080 · Education · Project Finance · USA
RM: David Wilson
Credit Risk Manager: Christopher Lopez
Exposure: $3.93M
CBRB: OLEM
Internal: OLEM
Risk Score:47 · Medium
Total Exposure
$3.93M
Prev: $3.77M4.0%
Utilization
65.3%
Prev: 60.7%4.6pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
OLEM
Prev: Normal
Open Alerts
1
C 0
H 0
M 1
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
SubstandardStart
2026-02
OLEMUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 12/29/2025 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | Christopher Lopez | — |
| 6/10/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Dismissed | James Smith | — |
| 3/23/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Dismissed | Isabella Williams | — |
AI Risk Score
47
/ 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
CBRB Rating Migration+21
Utilization Level+16
Industry Concentration+12
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 4.0% month-over-month, currently at $3.93M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 65.3%. Overall borrower risk is assessed as medium.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
David Wilson
david.wilson@bank.com
+1 555 0055
Portfolio: $2.35B
Credit Risk Manager
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
Business Head
Benjamin Jones
benjamin.jones@bank.com
+1 555 0209
Portfolio: $2.38B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $2.18M | $1.74M | $3.93M | 65.3% | 4 | OLEM |
| 2026-05 | $2.30M | $1.47M | $3.77M | 60.7% | 4 | OLEM |
| 2026-04 | $2.01M | $1.63M | $3.65M | 62.6% | 4 | OLEM |
| 2026-03 | $2.06M | $1.41M | $3.47M | 64.1% | 4 | OLEM |
| 2026-02 | $1.95M | $1.45M | $3.40M | 62.5% | 4 | OLEM |
| 2026-01 | $1.88M | $1.46M | $3.34M | 65.7% | 4 | Substandard |
| 2025-12 | $1.99M | $1.48M | $3.47M | 62.2% | 3 | Substandard |
| 2025-11 | $1.92M | $1.53M | $3.45M | 65.6% | 3 | Substandard |
| 2025-10 | $1.84M | $1.56M | $3.40M | 70.1% | 3 | Substandard |
| 2025-09 | $1.95M | $1.63M | $3.58M | 75.5% | 3 | Substandard |
| 2025-08 | $2.44M | $1.29M | $3.73M | 80.2% | 3 | Substandard |
| 2025-07 | $2.41M | $1.22M | $3.63M | 77.8% | 3 | Substandard |