Cardinal Foods Group
CIF-01335 · U76334US2014PLC101335 · Mining · Trade Finance · USA
RM: Isabella Williams
Credit Risk Manager: Ava Johnson
Exposure: $3.21M
CBRB: Substandard
Internal: Doubtful
Risk Score:70 · High
Total Exposure
$3.21M
Prev: $3.25M1.2%
Utilization
45.2%
Prev: 47.4%2.2pp
Banking Relationships
6
Prev: 60.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
Doubtful
Prev: Substandard
Open Alerts
2
C 0
H 1
M 0
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
NormalStart
2025-04
OLEMDowngrade
2025-05
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/8/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Dismissed | Sophia Thompson | — |
| 5/14/2026 | Rating Upgrade | Low | Borrower rating improved to Substandard. | Open | Michael Miller | — |
| 4/5/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Dismissed | Isabella Williams | — |
| 3/15/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | In Review | Jacob Moore | — |
AI Risk Score
70
/ 100
High 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
Banking Relationship Growth+15
Internal Rating Drift+12
Utilization Level+11
Industry Concentration+8
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure decreased by 1.2% month-over-month, currently at $3.21M. Banking relationships moved from 6 to 6 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 45.2%. Overall borrower risk is assessed as high.
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 | $2.14M | $1.07M | $3.21M | 45.2% | 6 | Substandard |
| 2026-05 | $2.08M | $1.17M | $3.25M | 47.4% | 6 | Substandard |
| 2026-04 | $1.79M | $1.38M | $3.17M | 49.0% | 6 | Substandard |
| 2026-03 | $2.12M | $1.15M | $3.27M | 52.1% | 6 | Substandard |
| 2026-02 | $1.95M | $1.37M | $3.31M | 54.4% | 6 | Substandard |
| 2026-01 | $2.23M | $1.11M | $3.34M | 51.5% | 6 | Substandard |
| 2025-12 | $1.82M | $1.32M | $3.14M | 51.6% | 6 | Substandard |
| 2025-11 | $1.83M | $1.12M | $2.95M | 56.2% | 6 | Substandard |
| 2025-10 | $1.77M | $1.19M | $2.96M | 56.4% | 6 | Substandard |
| 2025-09 | $1.93M | $982.9K | $2.91M | 53.9% | 6 | Substandard |
| 2025-08 | $1.73M | $1.10M | $2.83M | 57.3% | 7 | Substandard |
| 2025-07 | $1.79M | $1.03M | $2.82M | 57.3% | 7 | Substandard |