Westwood Properties PLC
CIF-01325 · U76324UA2014PLC101325 · Agriculture · Financial Institution · UAE
RM: Lucas White
Credit Risk Manager: Sophia Thompson
Exposure: $48.99M
CBRB: Normal
Internal: Normal
Risk Score:26 · Low
Total Exposure
$48.99M
Prev: $48.06M1.9%
Utilization
50.0%
Prev: 52.3%2.3pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
3
C 0
H 3
M 0
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
SubstandardStart
2025-05
OLEMUpgrade
2026-02
NormalUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/4/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Open | Harper Davis | — |
| 3/16/2026 | Rating Upgrade | Medium | Borrower rating improved to Normal. | Resolved | Michael Miller | 3/16/2026 |
| 3/6/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Open | David Wilson | — |
| 6/2/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Open | David Wilson | — |
AI Risk Score
26
/ 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
Industry Concentration+15
Utilization Level+13
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 1.9% month-over-month, currently at $48.99M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 50.0%. 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
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
Credit Risk Manager
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
Business Head
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $31.04M | $17.95M | $48.99M | 50.0% | 3 | Normal |
| 2026-05 | $28.79M | $19.27M | $48.06M | 52.3% | 3 | Normal |
| 2026-04 | $28.50M | $18.27M | $46.76M | 56.0% | 3 | Normal |
| 2026-03 | $26.86M | $20.04M | $46.90M | 53.6% | 3 | Normal |
| 2026-02 | $26.74M | $18.62M | $45.35M | 56.6% | 3 | Normal |
| 2026-01 | $27.84M | $14.65M | $42.49M | 57.1% | 3 | OLEM |
| 2025-12 | $27.15M | $13.09M | $40.24M | 61.8% | 3 | OLEM |
| 2025-11 | $25.04M | $17.13M | $42.17M | 66.3% | 3 | OLEM |
| 2025-10 | $25.82M | $15.94M | $41.76M | 65.8% | 3 | OLEM |
| 2025-09 | $24.99M | $14.46M | $39.45M | 66.9% | 3 | OLEM |
| 2025-08 | $24.87M | $13.10M | $37.97M | 67.6% | 3 | OLEM |
| 2025-07 | $23.61M | $16.25M | $39.86M | 65.0% | 3 | OLEM |