Citadel Technologies PLC
CIF-01344 · U76343UK2014PLC101344 · Healthcare · Project Finance · UK
RM: Benjamin Jones
Credit Risk Manager: Sarah Brown
Exposure: $14.74M
CBRB: Normal
Internal: OLEM
Risk Score:31 · Medium
Total Exposure
$14.74M
Prev: $14.76M0.1%
Utilization
45.6%
Prev: 43.5%2.1pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
OLEM
Prev: Normal
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 Normal.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 3/16/2026 | Rating Upgrade | Low | Borrower rating improved to Normal. | Dismissed | Jacob Moore | — |
| 3/11/2026 | Rating Upgrade | Medium | Borrower rating improved to Normal. | In Review | Olivia Taylor | — |
| 3/27/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | Harper Davis | — |
| 6/9/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Sarah Brown | — |
AI Risk Score
31
/ 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
Internal Rating Drift+12
Utilization Level+11
Industry Concentration+11
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure decreased by 0.1% month-over-month, currently at $14.74M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 45.6%. 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 | $9.49M | $5.24M | $14.74M | 45.6% | 5 | Normal |
| 2026-05 | $8.02M | $6.74M | $14.76M | 43.5% | 5 | Normal |
| 2026-04 | $9.40M | $4.86M | $14.26M | 40.1% | 5 | Normal |
| 2026-03 | $8.34M | $6.00M | $14.34M | 37.4% | 5 | Normal |
| 2026-02 | $7.41M | $6.15M | $13.56M | 43.2% | 5 | Normal |
| 2026-01 | $7.75M | $6.11M | $13.86M | 39.6% | 5 | Normal |
| 2025-12 | $8.27M | $5.88M | $14.16M | 34.1% | 5 | Normal |
| 2025-11 | $8.84M | $5.47M | $14.31M | 37.7% | 5 | Normal |
| 2025-10 | $9.71M | $5.14M | $14.85M | 38.8% | 5 | Normal |
| 2025-09 | $7.44M | $6.50M | $13.94M | 43.3% | 5 | Normal |
| 2025-08 | $8.35M | $5.61M | $13.96M | 37.7% | 6 | Normal |
| 2025-07 | $7.54M | $6.03M | $13.57M | 42.0% | 6 | Normal |