Beacon Resources SA
CIF-01088 · U76087UK2014PLC101088 · Information Technology · SME · UK
RM: Christopher Lopez
Credit Risk Manager: Nathan Hernandez
Exposure: $40.84M
CBRB: Substandard
Internal: Substandard
Risk Score:63 · High
Total Exposure
$40.84M
Prev: $40.14M1.7%
Utilization
54.1%
Prev: 52.0%2.1pp
Banking Relationships
2
Prev: 31.0
CBRB Rating
Substandard
Prev: OLEM
Internal Rating
Substandard
Prev: OLEM
Open Alerts
3
C 2
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
NormalStart
2024-09
OLEMDowngrade
2026-06
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/14/2026 | Rating Downgrade | Critical | Borrower rating migrated from OLEM to Substandard. | Open | Mia Rodriguez | — |
| 2/13/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | In Review | Nathan Hernandez | — |
| 6/5/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Ella Anderson | — |
AI Risk Score
63
/ 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
Industry Concentration+15
Utilization Level+14
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 1.7% month-over-month, currently at $40.84M. Banking relationships moved from 3 to 2 banks per CBRB data. CBRB rating deteriorated from OLEM to Substandard. Current utilization is 54.1%. 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
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 | $23.32M | $17.51M | $40.84M | 54.1% | 2 | Substandard |
| 2026-05 | $26.78M | $13.36M | $40.14M | 52.0% | 3 | OLEM |
| 2026-04 | $23.44M | $15.87M | $39.31M | 57.1% | 3 | OLEM |
| 2026-03 | $24.56M | $14.47M | $39.04M | 55.2% | 2 | OLEM |
| 2026-02 | $25.39M | $13.05M | $38.44M | 60.7% | 2 | OLEM |
| 2026-01 | $20.04M | $16.62M | $36.66M | 55.0% | 3 | OLEM |
| 2025-12 | $22.00M | $14.40M | $36.40M | 57.6% | 3 | OLEM |
| 2025-11 | $20.62M | $13.66M | $34.28M | 57.0% | 3 | OLEM |
| 2025-10 | $18.27M | $15.22M | $33.50M | 51.4% | 3 | OLEM |
| 2025-09 | $20.00M | $12.46M | $32.46M | 54.5% | 2 | OLEM |
| 2025-08 | $20.91M | $10.53M | $31.45M | 52.1% | 2 | OLEM |
| 2025-07 | $18.35M | $14.01M | $32.36M | 51.1% | 2 | OLEM |