Evergreen Holdings Co.
CIF-01279 · U76278BR2014PLC101279 · Wholesale Trade · Large Corporate · Brazil
RM: Emily Martinez
Credit Risk Manager: Mia Rodriguez
Exposure: $34.82M
CBRB: Normal
Internal: Normal
Risk Score:43 · Medium
Total Exposure
$34.82M
Prev: $33.05M5.4%
Utilization
78.7%
Prev: 79.6%0.9pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
2
C 0
H 0
M 2
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
OLEMStart
2025-03
NormalUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 5/23/2026 | Rating Upgrade | Medium | Borrower rating improved to Normal. | Open | James Smith | — |
| 6/11/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Dismissed | Jacob Moore | — |
| 5/18/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | Andrew Garcia | — |
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
Utilization Level+20
CBRB Rating Migration+15
Industry Concentration+15
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 5.4% month-over-month, currently at $34.82M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 78.7% — 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
Emily Martinez
emily.martinez@bank.com
+1 555 0044
Portfolio: $2.24B
Credit Risk Manager
Mia Rodriguez
mia.rodriguez@bank.com
+1 555 0132
Portfolio: $2.26B
Business Head
Ava Johnson
ava.johnson@bank.com
+1 555 0198
Portfolio: $1.94B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $21.32M | $13.50M | $34.82M | 78.7% | 4 | Normal |
| 2026-05 | $19.07M | $13.97M | $33.05M | 79.6% | 4 | Normal |
| 2026-04 | $21.88M | $10.92M | $32.81M | 80.6% | 4 | Normal |
| 2026-03 | $20.50M | $13.27M | $33.77M | 79.8% | 4 | Normal |
| 2026-02 | $19.69M | $13.22M | $32.92M | 79.3% | 4 | Normal |
| 2026-01 | $18.99M | $11.93M | $30.92M | 77.8% | 4 | Normal |
| 2025-12 | $18.16M | $14.14M | $32.30M | 83.0% | 4 | Normal |
| 2025-11 | $20.44M | $9.99M | $30.43M | 82.2% | 4 | Normal |
| 2025-10 | $17.73M | $11.01M | $28.75M | 80.6% | 4 | Normal |
| 2025-09 | $17.92M | $11.62M | $29.53M | 76.7% | 4 | Normal |
| 2025-08 | $15.41M | $12.43M | $27.84M | 71.7% | 4 | Normal |
| 2025-07 | $16.20M | $12.01M | $28.21M | 74.4% | 3 | Normal |