Cardinal Trading Group
CIF-01153 · U76152BR2014PLC101153 · Real Estate · Public Sector · Brazil
RM: Michael Miller
Credit Risk Manager: Andrew Garcia
Exposure: $46.94M
CBRB: OLEM
Internal: Substandard
Risk Score:56 · Medium
Total Exposure
$46.94M
Prev: $45.06M4.2%
Utilization
41.9%
Prev: 38.8%3.1pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
Substandard
Prev: Substandard
Open Alerts
1
C 0
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
OLEMStart
2024-11
NormalUpgrade
2025-04
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 5/5/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | Charlotte Perez | — |
| 6/11/2026 | Rating Upgrade | Medium | Borrower rating improved to OLEM. | Dismissed | Ella Anderson | — |
AI Risk Score
56
/ 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+21
Banking Relationship Growth+15
Industry Concentration+15
Internal Rating Drift+12
Utilization Level+10
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 4.2% month-over-month, currently at $46.94M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 41.9%. 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
Michael Miller
michael.miller@bank.com
+1 555 0033
Portfolio: $2.26B
Credit Risk Manager
Andrew Garcia
andrew.garcia@bank.com
+1 555 0121
Portfolio: $2.16B
Business Head
Ryan Harris
ryan.harris@bank.com
+1 555 0187
Portfolio: $1.96B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $26.68M | $20.26M | $46.94M | 41.9% | 5 | OLEM |
| 2026-05 | $25.21M | $19.86M | $45.06M | 38.8% | 5 | OLEM |
| 2026-04 | $28.01M | $14.39M | $42.40M | 41.3% | 5 | OLEM |
| 2026-03 | $29.71M | $14.39M | $44.10M | 45.7% | 5 | OLEM |
| 2026-02 | $30.41M | $15.52M | $45.94M | 39.8% | 6 | OLEM |
| 2026-01 | $29.24M | $14.64M | $43.88M | 40.1% | 6 | OLEM |
| 2025-12 | $27.18M | $16.55M | $43.72M | 37.7% | 6 | OLEM |
| 2025-11 | $29.26M | $15.22M | $44.47M | 43.6% | 5 | OLEM |
| 2025-10 | $27.81M | $17.51M | $45.32M | 42.6% | 5 | OLEM |
| 2025-09 | $29.67M | $15.50M | $45.17M | 41.7% | 5 | OLEM |
| 2025-08 | $26.72M | $19.59M | $46.31M | 47.4% | 5 | OLEM |
| 2025-07 | $28.15M | $18.11M | $46.26M | 45.9% | 5 | OLEM |