Beacon Logistics Ltd
CIF-01150 · U76149GE2014PLC101150 · Hospitality · Financial Institution · Germany
RM: Lucas White
Credit Risk Manager: Sophia Thompson
Exposure: $21.00M
CBRB: Loss
Internal: Doubtful
Risk Score:99 · Critical
Total Exposure
$21.00M
Prev: $21.36M1.7%
Utilization
55.6%
Prev: 60.7%5.1pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Loss
Prev: Loss
Internal Rating
Doubtful
Prev: Substandard
Open Alerts
1
C 0
H 1
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
No rating changes in the last 24 months. Currently Loss.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/6/2026 | Rating Downgrade | High | Borrower rating migrated from Loss to Loss. | Dismissed | Grace Lee | — |
| 4/14/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | In Review | Benjamin Jones | — |
AI Risk Score
99
/ 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
Utilization Level+14
Industry Concentration+14
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 1.7% month-over-month, currently at $21.00M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from Loss to Loss. Current utilization is 55.6%. 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
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
Credit Risk Manager
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
Business Head
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $14.15M | $6.84M | $21.00M | 55.6% | 2 | Loss |
| 2026-05 | $12.01M | $9.35M | $21.36M | 60.7% | 2 | Loss |
| 2026-04 | $12.02M | $8.51M | $20.53M | 61.2% | 2 | Loss |
| 2026-03 | $12.17M | $8.36M | $20.53M | 62.6% | 1 | Loss |
| 2026-02 | $12.75M | $7.76M | $20.51M | 62.7% | 1 | Loss |
| 2026-01 | $13.53M | $7.46M | $20.99M | 67.7% | 1 | Loss |
| 2025-12 | $13.13M | $7.74M | $20.87M | 64.7% | 1 | Loss |
| 2025-11 | $12.73M | $7.53M | $20.26M | 68.5% | 1 | Loss |
| 2025-10 | $11.80M | $8.26M | $20.06M | 70.5% | 1 | Loss |
| 2025-09 | $12.31M | $6.56M | $18.88M | 68.4% | 1 | Loss |
| 2025-08 | $11.41M | $6.66M | $18.07M | 67.4% | 1 | Loss |
| 2025-07 | $12.37M | $6.43M | $18.80M | 66.9% | 1 | Loss |