Northwind Corporation LLC
CIF-01289 · U76288FR2014PLC101289 · Healthcare · Syndicated · France
RM: Amelia Thomas
Credit Risk Manager: Ella Anderson
Exposure: $25.02M
CBRB: OLEM
Internal: OLEM
Risk Score:37 · Medium
Total Exposure
$25.02M
Prev: $25.59M2.2%
Utilization
21.3%
Prev: 15.9%5.4pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
OLEM
Prev: OLEM
Open Alerts
2
C 0
H 0
M 1
L 1
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 · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/9/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | Joseph Jackson | — |
| 1/27/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Dismissed | Ella Anderson | — |
| 4/25/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Open | Lucas White | — |
| 12/15/2025 | Rating Upgrade | Low | Borrower rating improved to OLEM. | Resolved | Mia Rodriguez | 12/15/2025 |
AI Risk Score
37
/ 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
Industry Concentration+9
Banking Relationship Growth+6
Utilization Level+5
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 2.2% month-over-month, currently at $25.02M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 21.3%. 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
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
Credit Risk Manager
Ella Anderson
ella.anderson@bank.com
+1 555 0242
Portfolio: $1.99B
Business Head
Michael Miller
michael.miller@bank.com
+1 555 0033
Portfolio: $2.26B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $15.28M | $9.74M | $25.02M | 21.3% | 2 | OLEM |
| 2026-05 | $15.36M | $10.23M | $25.59M | 15.9% | 2 | OLEM |
| 2026-04 | $14.66M | $11.08M | $25.74M | 19.5% | 2 | OLEM |
| 2026-03 | $13.42M | $12.05M | $25.48M | 18.9% | 1 | OLEM |
| 2026-02 | $16.64M | $9.02M | $25.66M | 20.5% | 1 | OLEM |
| 2026-01 | $15.66M | $8.76M | $24.42M | 26.4% | 1 | OLEM |
| 2025-12 | $14.81M | $9.22M | $24.03M | 23.5% | 1 | OLEM |
| 2025-11 | $14.15M | $10.25M | $24.40M | 19.8% | 1 | OLEM |
| 2025-10 | $15.33M | $9.76M | $25.09M | 23.2% | 1 | OLEM |
| 2025-09 | $15.17M | $9.41M | $24.57M | 28.8% | 1 | OLEM |
| 2025-08 | $15.98M | $9.72M | $25.71M | 31.4% | 1 | OLEM |
| 2025-07 | $17.00M | $8.24M | $25.24M | 36.1% | 1 | OLEM |