Pioneer Corporation Ltd
CIF-01218 · U76217GE2014PLC101218 · Telecom · Micro Enterprise · Germany
RM: Ava Johnson
Credit Risk Manager: James Smith
Exposure: $13.30M
CBRB: Doubtful
Internal: Doubtful
Risk Score:98 · Critical
Total Exposure
$13.30M
Prev: $12.45M6.9%
Utilization
88.3%
Prev: 82.8%5.5pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Doubtful
Prev: Doubtful
Internal Rating
Doubtful
Prev: Substandard
Open Alerts
2
C 0
H 1
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
2024-09
SubstandardDowngrade
2025-08
DoubtfulDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/10/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Open | Harper Davis | — |
| 4/18/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Open | Charlotte Perez | — |
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+33
Utilization Level+22
Industry Concentration+10
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 6.9% month-over-month, currently at $13.30M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating remained stable from Doubtful to Doubtful. Current utilization is 88.3% — 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
Ava Johnson
ava.johnson@bank.com
+1 555 0198
Portfolio: $1.94B
Credit Risk Manager
James Smith
james.smith@bank.com
+1 555 0011
Portfolio: $2.05B
Business Head
Daniel Martin
daniel.martin@bank.com
+1 555 0077
Portfolio: $2.17B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $8.69M | $4.61M | $13.30M | 88.3% | 4 | Doubtful |
| 2026-05 | $6.53M | $5.91M | $12.45M | 82.8% | 4 | Doubtful |
| 2026-04 | $7.72M | $5.01M | $12.74M | 82.5% | 4 | Doubtful |
| 2026-03 | $7.04M | $4.90M | $11.94M | 82.4% | 4 | Doubtful |
| 2026-02 | $7.58M | $4.91M | $12.49M | 82.1% | 4 | Doubtful |
| 2026-01 | $7.81M | $4.33M | $12.14M | 87.0% | 4 | Doubtful |
| 2025-12 | $6.25M | $5.32M | $11.57M | 87.9% | 5 | Doubtful |
| 2025-11 | $7.92M | $4.10M | $12.01M | 88.8% | 5 | Doubtful |
| 2025-10 | $7.25M | $4.58M | $11.83M | 88.6% | 4 | Doubtful |
| 2025-09 | $7.65M | $3.81M | $11.46M | 84.1% | 4 | Doubtful |
| 2025-08 | $6.31M | $4.86M | $11.17M | 82.5% | 4 | Doubtful |
| 2025-07 | $6.78M | $4.91M | $11.68M | 83.8% | 4 | Substandard |