Bluewave Logistics LLC
CIF-01177 · U76176US2014PLC101177 · Real Estate · SME · USA
RM: Sarah Brown
Credit Risk Manager: Isabella Williams
Exposure: $36.23M
CBRB: OLEM
Internal: OLEM
Risk Score:58 · Medium
Total Exposure
$36.23M
Prev: $37.58M3.6%
Utilization
75.1%
Prev: 75.8%0.7pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
OLEM
Prev: Normal
Open Alerts
3
C 0
H 2
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
2025-04
SubstandardDowngrade
2025-11
OLEMUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 2/10/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | In Review | Sophia Thompson | — |
| 5/1/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Andrew Garcia | — |
| 6/4/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | In Review | Ryan Harris | — |
AI Risk Score
58
/ 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
Utilization Level+19
Industry Concentration+14
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 3.6% month-over-month, currently at $36.23M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 75.1% — above the 70% early warning threshold. Overall borrower risk is assessed as medium.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
Credit Risk Manager
Isabella Williams
isabella.williams@bank.com
+1 555 0110
Portfolio: $2.11B
Business Head
Charlotte Perez
charlotte.perez@bank.com
+1 555 0176
Portfolio: $2.23B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $22.36M | $13.87M | $36.23M | 75.1% | 1 | OLEM |
| 2026-05 | $19.86M | $17.72M | $37.58M | 75.8% | 1 | OLEM |
| 2026-04 | $20.54M | $17.27M | $37.81M | 71.7% | 1 | OLEM |
| 2026-03 | $21.17M | $18.01M | $39.19M | 73.0% | 1 | OLEM |
| 2026-02 | $22.49M | $16.03M | $38.52M | 67.9% | 1 | OLEM |
| 2026-01 | $24.15M | $15.78M | $39.93M | 64.6% | 1 | OLEM |
| 2025-12 | $21.88M | $15.56M | $37.44M | 64.1% | 1 | OLEM |
| 2025-11 | $19.89M | $17.20M | $37.09M | 61.1% | 1 | OLEM |
| 2025-10 | $23.32M | $13.96M | $37.28M | 64.9% | 1 | Substandard |
| 2025-09 | $20.98M | $16.14M | $37.12M | 59.5% | 1 | Substandard |
| 2025-08 | $21.84M | $17.13M | $38.98M | 56.8% | 1 | Substandard |
| 2025-07 | $23.80M | $13.08M | $36.87M | 55.3% | 1 | Substandard |