Pioneer Trading Ltd
CIF-01303 · U76302GE2014PLC101303 · Agriculture · Large Corporate · Germany
RM: Michael Miller
Credit Risk Manager: Andrew Garcia
Exposure: $17.71M
CBRB: Substandard
Internal: OLEM
Risk Score:86 · Critical
Total Exposure
$17.71M
Prev: $18.35M3.4%
Utilization
65.4%
Prev: 69.0%3.6pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
Substandard
Prev: Substandard
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
2024-07
OLEMStart
2025-09
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/3/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Open | Ava Johnson | — |
| 2/7/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Open | Nathan Hernandez | — |
AI Risk Score
86
/ 100
Critical 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+27
Utilization Level+16
Banking Relationship Growth+15
Industry Concentration+10
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 3.4% month-over-month, currently at $17.71M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 65.4%. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Michael Miller
michael.miller@bank.com
+1 555 0033
Portfolio: $2.26B
Credit Risk Manager
Andrew Garcia
andrew.garcia@bank.com
+1 555 0121
Portfolio: $2.16B
Business Head
Ryan Harris
ryan.harris@bank.com
+1 555 0187
Portfolio: $1.96B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $9.78M | $7.94M | $17.71M | 65.4% | 5 | Substandard |
| 2026-05 | $9.67M | $8.68M | $18.35M | 69.0% | 5 | Substandard |
| 2026-04 | $11.13M | $6.78M | $17.90M | 65.3% | 5 | Substandard |
| 2026-03 | $10.25M | $6.62M | $16.87M | 59.9% | 5 | Substandard |
| 2026-02 | $9.30M | $8.21M | $17.52M | 63.9% | 5 | Substandard |
| 2026-01 | $11.27M | $6.31M | $17.58M | 69.8% | 5 | Substandard |
| 2025-12 | $9.44M | $7.54M | $16.98M | 68.4% | 5 | Substandard |
| 2025-11 | $10.17M | $6.35M | $16.52M | 64.5% | 5 | Substandard |
| 2025-10 | $9.07M | $7.60M | $16.66M | 63.3% | 5 | Substandard |
| 2025-09 | $9.39M | $7.22M | $16.62M | 58.0% | 4 | Substandard |
| 2025-08 | $10.66M | $5.72M | $16.38M | 56.6% | 4 | OLEM |
| 2025-07 | $8.71M | $7.26M | $15.97M | 59.3% | 4 | OLEM |