Lakeside Holdings Co.
CIF-01233 · U76232SI2014PLC101233 · Telecom · Large Corporate · Singapore
RM: Sophia Thompson
Credit Risk Manager: Charlotte Perez
Exposure: $27.10M
CBRB: Substandard
Internal: Substandard
Risk Score:67 · High
Total Exposure
$27.10M
Prev: $27.60M1.8%
Utilization
65.1%
Prev: 71.0%5.9pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
Substandard
Prev: OLEM
Internal Rating
Substandard
Prev: Substandard
Open Alerts
2
C 1
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
NormalStart
2025-12
OLEMDowngrade
2026-04
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 3/12/2026 | Rating Downgrade | Critical | Borrower rating migrated from OLEM to Substandard. | Dismissed | Benjamin Jones | — |
| 3/8/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | James Smith | — |
| 6/6/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Dismissed | Joseph Jackson | — |
| 2/26/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | In Review | Andrew Garcia | — |
AI Risk Score
67
/ 100
High 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+16
Industry Concentration+8
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 1.8% month-over-month, currently at $27.10M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating deteriorated from OLEM to Substandard. Current utilization is 65.1%. Overall borrower risk is assessed as high.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
Credit Risk Manager
Charlotte Perez
charlotte.perez@bank.com
+1 555 0176
Portfolio: $2.23B
Business Head
Ella Anderson
ella.anderson@bank.com
+1 555 0242
Portfolio: $1.99B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $15.07M | $12.03M | $27.10M | 65.1% | 3 | Substandard |
| 2026-05 | $18.44M | $9.16M | $27.60M | 71.0% | 3 | Substandard |
| 2026-04 | $17.01M | $11.37M | $28.37M | 70.0% | 3 | Substandard |
| 2026-03 | $15.56M | $12.30M | $27.86M | 74.2% | 3 | OLEM |
| 2026-02 | $17.50M | $9.53M | $27.03M | 77.4% | 3 | OLEM |
| 2026-01 | $17.03M | $8.36M | $25.39M | 75.0% | 3 | OLEM |
| 2025-12 | $14.46M | $11.14M | $25.61M | 73.1% | 3 | OLEM |
| 2025-11 | $15.03M | $11.58M | $26.61M | 69.5% | 3 | Normal |
| 2025-10 | $17.94M | $8.95M | $26.89M | 67.3% | 3 | Normal |
| 2025-09 | $15.88M | $11.39M | $27.27M | 66.1% | 3 | Normal |
| 2025-08 | $14.54M | $11.91M | $26.45M | 67.6% | 3 | Normal |
| 2025-07 | $16.60M | $8.25M | $24.85M | 67.2% | 4 | Normal |