Bluewave Corporation Ltd
CIF-01294 · U76293AU2014PLC101294 · Healthcare · Syndicated · Australia
RM: Benjamin Jones
Credit Risk Manager: Sarah Brown
Exposure: $30.38M
CBRB: Normal
Internal: Normal
Risk Score:35 · Medium
Total Exposure
$30.38M
Prev: $30.13M0.8%
Utilization
43.0%
Prev: 46.6%3.6pp
Banking Relationships
6
Prev: 60.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
4
C 0
H 1
M 1
L 2
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 · 7
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/14/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | James Smith | — |
| 5/7/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Dismissed | Ryan Harris | — |
| 6/7/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Open | Michael Miller | — |
| 2/21/2026 | Rating Upgrade | Low | Borrower rating improved to Normal. | In Review | Matthew Sanchez | — |
| 1/23/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Dismissed | Grace Lee | — |
| 4/19/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Dismissed | Sophia Thompson | — |
| 5/22/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Open | Matthew Sanchez | — |
AI Risk Score
35
/ 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+15
Banking Relationship Growth+15
Utilization Level+11
Industry Concentration+11
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 0.8% month-over-month, currently at $30.38M. Banking relationships moved from 6 to 6 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 43.0%. 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
Benjamin Jones
benjamin.jones@bank.com
+1 555 0209
Portfolio: $2.38B
Credit Risk Manager
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
Business Head
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $18.66M | $11.71M | $30.38M | 43.0% | 6 | Normal |
| 2026-05 | $15.92M | $14.21M | $30.13M | 46.6% | 6 | Normal |
| 2026-04 | $17.35M | $13.90M | $31.24M | 46.6% | 6 | Normal |
| 2026-03 | $17.93M | $14.52M | $32.45M | 45.0% | 6 | Normal |
| 2026-02 | $18.05M | $14.18M | $32.23M | 50.8% | 6 | Normal |
| 2026-01 | $19.95M | $10.44M | $30.39M | 47.7% | 6 | Normal |
| 2025-12 | $20.33M | $10.84M | $31.17M | 44.9% | 7 | Normal |
| 2025-11 | $17.22M | $13.67M | $30.90M | 48.6% | 7 | Normal |
| 2025-10 | $21.10M | $10.80M | $31.91M | 47.4% | 7 | Normal |
| 2025-09 | $16.89M | $13.71M | $30.60M | 50.5% | 6 | Normal |
| 2025-08 | $16.32M | $12.36M | $28.68M | 51.3% | 6 | Normal |
| 2025-07 | $15.88M | $12.06M | $27.94M | 46.2% | 6 | Normal |