Beacon Corporation Group
CIF-01238 · U76237JA2014PLC101238 · Healthcare · Project Finance · Japan
RM: Christopher Lopez
Credit Risk Manager: Nathan Hernandez
Exposure: $10.26M
CBRB: OLEM
Internal: Normal
Risk Score:43 · Medium
Total Exposure
$10.26M
Prev: $10.66M3.7%
Utilization
32.4%
Prev: 37.8%5.4pp
Banking Relationships
6
Prev: 60.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
Normal
Prev: Normal
Open Alerts
3
C 0
H 2
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
No rating changes in the last 24 months. Currently OLEM.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 6
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 12/20/2025 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Dismissed | David Wilson | — |
| 1/30/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Dismissed | Lucas White | — |
| 5/9/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Resolved | Grace Lee | 5/9/2026 |
| 6/8/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Open | Isabella Williams | — |
| 1/12/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | Grace Lee | — |
| 1/22/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Charlotte Perez | — |
AI Risk Score
43
/ 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+10
Utilization Level+8
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 3.7% month-over-month, currently at $10.26M. Banking relationships moved from 6 to 6 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 32.4%. 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
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
Credit Risk Manager
Nathan Hernandez
nathan.hernandez@bank.com
+1 555 0231
Portfolio: $1.79B
Business Head
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $5.54M | $4.72M | $10.26M | 32.4% | 6 | OLEM |
| 2026-05 | $6.70M | $3.96M | $10.66M | 37.8% | 6 | OLEM |
| 2026-04 | $7.16M | $3.50M | $10.66M | 38.5% | 6 | OLEM |
| 2026-03 | $6.01M | $4.67M | $10.67M | 34.4% | 6 | OLEM |
| 2026-02 | $5.57M | $4.44M | $10.01M | 38.0% | 6 | OLEM |
| 2026-01 | $5.59M | $4.69M | $10.28M | 41.8% | 6 | OLEM |
| 2025-12 | $5.81M | $4.48M | $10.30M | 40.0% | 6 | OLEM |
| 2025-11 | $6.04M | $4.49M | $10.53M | 37.4% | 5 | OLEM |
| 2025-10 | $5.89M | $4.48M | $10.37M | 31.5% | 5 | OLEM |
| 2025-09 | $6.20M | $4.11M | $10.31M | 35.0% | 5 | OLEM |
| 2025-08 | $5.99M | $3.72M | $9.71M | 29.7% | 5 | OLEM |
| 2025-07 | $5.35M | $4.03M | $9.38M | 27.4% | 5 | OLEM |