Highland Aviation PLC
CIF-01285 · U76284FR2014PLC101285 · Financial Services · Trade Finance · France
RM: Isabella Williams
Credit Risk Manager: Ava Johnson
Exposure: $23.23M
CBRB: Normal
Internal: Normal
Risk Score:29 · Low
Total Exposure
$23.23M
Prev: $24.33M4.5%
Utilization
50.1%
Prev: 46.5%3.6pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
3
C 0
H 1
M 0
L 2
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 Normal.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 2/3/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Dismissed | Amelia Thomas | — |
| 4/11/2026 | Rating Upgrade | Low | Borrower rating improved to Normal. | Open | Benjamin Jones | — |
| 2/26/2026 | Rating Upgrade | Low | Borrower rating improved to Normal. | Open | Ava Johnson | — |
| 6/5/2026 | Rating Downgrade | High | Borrower rating migrated from Normal to Normal. | In Review | Sophia Thompson | — |
| 12/16/2025 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Resolved | Ella Anderson | 12/16/2025 |
AI Risk Score
29
/ 100
Low 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+15
Utilization Level+13
Industry Concentration+11
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 4.5% month-over-month, currently at $23.23M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 50.1%. Overall borrower risk is assessed as low.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Isabella Williams
isabella.williams@bank.com
+1 555 0110
Portfolio: $2.11B
Credit Risk Manager
Ava Johnson
ava.johnson@bank.com
+1 555 0198
Portfolio: $1.94B
Business Head
Grace Lee
grace.lee@bank.com
+1 555 0264
Portfolio: $2.12B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $14.35M | $8.88M | $23.23M | 50.1% | 4 | Normal |
| 2026-05 | $16.06M | $8.27M | $24.33M | 46.5% | 4 | Normal |
| 2026-04 | $13.59M | $9.83M | $23.42M | 48.4% | 4 | Normal |
| 2026-03 | $12.50M | $9.88M | $22.37M | 51.3% | 4 | Normal |
| 2026-02 | $12.80M | $9.28M | $22.08M | 53.6% | 4 | Normal |
| 2026-01 | $13.76M | $9.23M | $22.99M | 52.1% | 4 | Normal |
| 2025-12 | $12.85M | $9.58M | $22.43M | 53.1% | 4 | Normal |
| 2025-11 | $12.16M | $9.56M | $21.71M | 58.6% | 4 | Normal |
| 2025-10 | $12.64M | $8.11M | $20.75M | 53.4% | 4 | Normal |
| 2025-09 | $12.83M | $8.96M | $21.79M | 48.3% | 4 | Normal |
| 2025-08 | $11.46M | $9.99M | $21.45M | 48.3% | 5 | Normal |
| 2025-07 | $12.70M | $7.84M | $20.54M | 46.7% | 5 | Normal |