Vertex Construction Ltd
CIF-01135 · U76134GE2014PLC101135 · Manufacturing · Financial Institution · Germany
RM: Isabella Williams
Credit Risk Manager: Ava Johnson
Exposure: $19.95M
CBRB: Loss
Internal: Doubtful
Risk Score:100 · Critical
Total Exposure
$19.95M
Prev: $20.84M4.2%
Utilization
45.5%
Prev: 47.2%1.7pp
Banking Relationships
8
Prev: 80.0
CBRB Rating
Loss
Prev: Loss
Internal Rating
Doubtful
Prev: Doubtful
Open Alerts
3
C 1
H 2
M 0
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
2024-09
DoubtfulDowngrade
2025-01
LossDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 6
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 2/18/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | In Review | Amelia Thomas | — |
| 5/8/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Resolved | Charlotte Perez | 5/8/2026 |
| 4/27/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Resolved | Benjamin Jones | 4/27/2026 |
| 12/22/2025 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Open | Harper Davis | — |
| 6/4/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Resolved | Amelia Thomas | 6/4/2026 |
| 2/5/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | In Review | Michael Miller | — |
AI Risk Score
100
/ 100
Critical 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+39
Banking Relationship Growth+15
Utilization Level+11
Industry Concentration+8
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 4.2% month-over-month, currently at $19.95M. Banking relationships moved from 8 to 8 banks per CBRB data. CBRB rating remained stable from Loss to Loss. Current utilization is 45.5%. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Isabella Williams
isabella.williams@bank.com
+1 555 0110
Portfolio: $2.11B
Credit Risk Manager
Ava Johnson
ava.johnson@bank.com
+1 555 0198
Portfolio: $1.94B
Business Head
Grace Lee
grace.lee@bank.com
+1 555 0264
Portfolio: $2.12B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $13.14M | $6.82M | $19.95M | 45.5% | 8 | Loss |
| 2026-05 | $13.73M | $7.11M | $20.84M | 47.2% | 8 | Loss |
| 2026-04 | $10.67M | $8.92M | $19.59M | 42.9% | 8 | Loss |
| 2026-03 | $11.55M | $6.85M | $18.40M | 41.9% | 8 | Loss |
| 2026-02 | $11.49M | $7.61M | $19.09M | 41.0% | 8 | Loss |
| 2026-01 | $10.08M | $8.20M | $18.28M | 37.9% | 8 | Loss |
| 2025-12 | $11.97M | $5.92M | $17.89M | 36.6% | 8 | Loss |
| 2025-11 | $11.24M | $6.56M | $17.81M | 41.6% | 8 | Loss |
| 2025-10 | $10.11M | $7.89M | $18.00M | 36.2% | 8 | Loss |
| 2025-09 | $10.43M | $7.48M | $17.92M | 31.8% | 7 | Loss |
| 2025-08 | $10.90M | $7.67M | $18.57M | 36.9% | 7 | Loss |
| 2025-07 | $10.98M | $7.90M | $18.88M | 37.4% | 7 | Loss |