Lakeside Holdings PLC
CIF-01338 · U76337BR2014PLC101338 · Telecom · Public Sector · Brazil
RM: Christopher Lopez
Credit Risk Manager: Nathan Hernandez
Exposure: $22.08M
CBRB: Substandard
Internal: Doubtful
Risk Score:55 · Medium
Total Exposure
$22.08M
Prev: $21.28M3.8%
Utilization
45.9%
Prev: 46.6%0.7pp
Banking Relationships
3
Prev: 21.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
Doubtful
Prev: Doubtful
Open Alerts
3
C 1
H 0
M 2
L 0
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 Substandard.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 5/16/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | Joseph Jackson | — |
| 6/6/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | Ryan Harris | — |
| 2/8/2026 | Rating Downgrade | Critical | Borrower rating migrated from Substandard to Substandard. | Open | Jacob Moore | — |
AI Risk Score
55
/ 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+27
Industry Concentration+12
Internal Rating Drift+12
Utilization Level+11
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 3.8% month-over-month, currently at $22.08M. Banking relationships moved from 2 to 3 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 45.9%. 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
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
Credit Risk Manager
Nathan Hernandez
nathan.hernandez@bank.com
+1 555 0231
Portfolio: $1.79B
Business Head
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $11.74M | $10.34M | $22.08M | 45.9% | 3 | Substandard |
| 2026-05 | $11.24M | $10.05M | $21.28M | 46.6% | 2 | Substandard |
| 2026-04 | $11.77M | $9.78M | $21.54M | 45.7% | 2 | Substandard |
| 2026-03 | $12.49M | $8.04M | $20.52M | 49.9% | 2 | Substandard |
| 2026-02 | $12.00M | $8.20M | $20.20M | 51.1% | 2 | Substandard |
| 2026-01 | $12.54M | $6.52M | $19.06M | 49.6% | 2 | Substandard |
| 2025-12 | $11.53M | $8.05M | $19.58M | 54.1% | 2 | Substandard |
| 2025-11 | $12.34M | $7.16M | $19.51M | 49.1% | 2 | Substandard |
| 2025-10 | $10.36M | $8.89M | $19.25M | 44.0% | 2 | Substandard |
| 2025-09 | $10.19M | $8.41M | $18.60M | 49.0% | 2 | Substandard |
| 2025-08 | $11.20M | $6.64M | $17.84M | 49.2% | 2 | Substandard |
| 2025-07 | $9.83M | $8.27M | $18.09M | 44.7% | 2 | Substandard |