Coastal Pharma Inc
CIF-01129 · U76128SI2014PLC101129 · Energy & Utilities · Mid Corporate · Singapore
RM: Emily Martinez
Credit Risk Manager: Mia Rodriguez
Exposure: $53.87M
CBRB: Normal
Internal: Normal
Risk Score:44 · Medium
Total Exposure
$53.87M
Prev: $55.15M2.3%
Utilization
54.9%
Prev: 51.7%3.2pp
Banking Relationships
7
Prev: 70.0
CBRB Rating
Normal
Prev: OLEM
Internal Rating
Normal
Prev: Normal
Open Alerts
2
C 0
H 0
M 2
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
2025-05
OLEMDowngrade
2026-04
NormalUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/19/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Open | Grace Lee | — |
| 1/27/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Dismissed | Benjamin Jones | — |
| 6/7/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Resolved | Matthew Sanchez | 6/7/2026 |
| 2/1/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Open | Jacob Moore | — |
| 5/13/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Resolved | Sarah Brown | 5/13/2026 |
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
CBRB Rating Migration+15
Banking Relationship Growth+15
Utilization Level+14
Industry Concentration+14
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 2.3% month-over-month, currently at $53.87M. Banking relationships moved from 7 to 7 banks per CBRB data. CBRB rating improved from OLEM to Normal. Current utilization is 54.9%. 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
Emily Martinez
emily.martinez@bank.com
+1 555 0044
Portfolio: $2.24B
Credit Risk Manager
Mia Rodriguez
mia.rodriguez@bank.com
+1 555 0132
Portfolio: $2.26B
Business Head
Ava Johnson
ava.johnson@bank.com
+1 555 0198
Portfolio: $1.94B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $29.77M | $24.09M | $53.87M | 54.9% | 7 | Normal |
| 2026-05 | $30.17M | $24.97M | $55.15M | 51.7% | 7 | Normal |
| 2026-04 | $34.77M | $22.20M | $56.98M | 50.3% | 7 | Normal |
| 2026-03 | $30.38M | $23.56M | $53.94M | 50.6% | 7 | OLEM |
| 2026-02 | $32.78M | $21.72M | $54.50M | 45.1% | 7 | OLEM |
| 2026-01 | $27.90M | $24.38M | $52.28M | 45.4% | 7 | OLEM |
| 2025-12 | $33.04M | $19.76M | $52.79M | 42.4% | 7 | OLEM |
| 2025-11 | $29.24M | $21.82M | $51.06M | 46.3% | 7 | OLEM |
| 2025-10 | $30.29M | $17.67M | $47.96M | 52.1% | 7 | OLEM |
| 2025-09 | $27.80M | $17.42M | $45.22M | 50.3% | 6 | OLEM |
| 2025-08 | $25.08M | $19.25M | $44.33M | 52.8% | 6 | OLEM |
| 2025-07 | $28.88M | $14.24M | $43.12M | 49.4% | 6 | OLEM |