Evergreen Logistics Co.
CIF-01214 · U76213JA2014PLC101214 · Education · Financial Institution · Japan
RM: Amelia Thomas
Credit Risk Manager: Ella Anderson
Exposure: $13.81M
CBRB: Substandard
Internal: Substandard
Risk Score:98 · Critical
Total Exposure
$13.81M
Prev: $12.96M6.6%
Utilization
92.8%
Prev: 90.2%2.6pp
Banking Relationships
7
Prev: 70.0
CBRB Rating
Substandard
Prev: OLEM
Internal Rating
Substandard
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
2024-07
NormalStart
2025-12
OLEMDowngrade
2026-04
SubstandardDowngrade
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 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Resolved | Matthew Sanchez | 6/6/2026 |
| 3/17/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Ava Johnson | — |
AI Risk Score
98
/ 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+27
Utilization Level+23
Banking Relationship Growth+15
Industry Concentration+11
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 6.6% month-over-month, currently at $13.81M. Banking relationships moved from 7 to 7 banks per CBRB data. CBRB rating deteriorated from OLEM to Substandard. Current utilization is 92.8% — above the 70% early warning threshold. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
Credit Risk Manager
Ella Anderson
ella.anderson@bank.com
+1 555 0242
Portfolio: $1.99B
Business Head
Michael Miller
michael.miller@bank.com
+1 555 0033
Portfolio: $2.26B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $8.30M | $5.52M | $13.81M | 92.8% | 7 | Substandard |
| 2026-05 | $7.07M | $5.88M | $12.96M | 90.2% | 7 | Substandard |
| 2026-04 | $7.68M | $5.08M | $12.75M | 89.7% | 7 | Substandard |
| 2026-03 | $7.00M | $5.40M | $12.40M | 84.6% | 7 | OLEM |
| 2026-02 | $7.66M | $5.10M | $12.75M | 78.8% | 7 | OLEM |
| 2026-01 | $7.82M | $4.41M | $12.22M | 76.1% | 7 | OLEM |
| 2025-12 | $6.14M | $5.48M | $11.62M | 81.7% | 7 | OLEM |
| 2025-11 | $7.38M | $4.24M | $11.62M | 81.1% | 7 | Normal |
| 2025-10 | $7.82M | $4.07M | $11.89M | 76.4% | 7 | Normal |
| 2025-09 | $6.85M | $4.44M | $11.29M | 71.1% | 7 | Normal |
| 2025-08 | $6.38M | $5.04M | $11.41M | 67.3% | 7 | Normal |
| 2025-07 | $6.89M | $4.58M | $11.47M | 68.6% | 7 | Normal |