Silverline Pharma Ltd
CIF-01130 · U76129UK2014PLC101130 · Telecom · Public Sector · UK
RM: David Wilson
Credit Risk Manager: Christopher Lopez
Exposure: $43.99M
CBRB: Normal
Internal: Normal
Risk Score:40 · Medium
Total Exposure
$43.99M
Prev: $45.81M4.0%
Utilization
47.9%
Prev: 49.9%2.0pp
Banking Relationships
7
Prev: 70.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
2
C 1
H 0
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
2024-07
OLEMStart
2025-11
NormalUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/8/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Resolved | Matthew Sanchez | 6/8/2026 |
| 3/24/2026 | Rating Upgrade | Low | Borrower rating improved to Normal. | Open | Harper Davis | — |
| 6/3/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Michael Miller | — |
AI Risk Score
40
/ 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+12
Industry Concentration+9
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 4.0% month-over-month, currently at $43.99M. Banking relationships moved from 7 to 7 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 47.9%. 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
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 | $28.40M | $15.58M | $43.99M | 47.9% | 7 | Normal |
| 2026-05 | $26.23M | $19.58M | $45.81M | 49.9% | 7 | Normal |
| 2026-04 | $23.02M | $20.05M | $43.08M | 47.6% | 7 | Normal |
| 2026-03 | $25.18M | $17.48M | $42.66M | 45.1% | 7 | Normal |
| 2026-02 | $23.17M | $18.93M | $42.10M | 46.0% | 7 | Normal |
| 2026-01 | $22.20M | $17.37M | $39.57M | 45.9% | 7 | Normal |
| 2025-12 | $20.34M | $16.77M | $37.11M | 46.6% | 7 | Normal |
| 2025-11 | $24.37M | $12.48M | $36.85M | 51.4% | 7 | Normal |
| 2025-10 | $22.49M | $13.43M | $35.92M | 56.0% | 7 | OLEM |
| 2025-09 | $23.24M | $13.71M | $36.95M | 57.8% | 7 | OLEM |
| 2025-08 | $20.96M | $14.49M | $35.45M | 63.1% | 7 | OLEM |
| 2025-07 | $23.48M | $13.09M | $36.57M | 68.8% | 7 | OLEM |