Pioneer Manufacturing Co.
CIF-01362 · U76361FR2014PLC101362 · Hospitality · Financial Institution · France
RM: Mia Rodriguez
Credit Risk Manager: Harper Davis
Exposure: $51.93M
CBRB: Loss
Internal: Doubtful
Risk Score:100 · Critical
Total Exposure
$51.93M
Prev: $50.88M2.1%
Utilization
82.3%
Prev: 78.0%4.3pp
Banking Relationships
6
Prev: 60.0
CBRB Rating
Loss
Prev: Loss
Internal Rating
Doubtful
Prev: Doubtful
Open Alerts
1
C 0
H 0
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
DoubtfulStart
2024-12
LossDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 12/28/2025 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Resolved | Amelia Thomas | 12/28/2025 |
| 5/2/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Dismissed | Lucas White | — |
| 6/3/2026 | Rating Upgrade | Low | Borrower rating improved to Loss. | Open | Sarah Brown | — |
| 2/12/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Dismissed | Benjamin Jones | — |
| 1/23/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Dismissed | Joseph Jackson | — |
AI Risk Score
100
/ 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+39
Utilization Level+21
Banking Relationship Growth+15
Industry Concentration+13
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 2.1% month-over-month, currently at $51.93M. Banking relationships moved from 6 to 6 banks per CBRB data. CBRB rating remained stable from Loss to Loss. Current utilization is 82.3% — above the 70% early warning threshold. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Mia Rodriguez
mia.rodriguez@bank.com
+1 555 0132
Portfolio: $2.26B
Credit Risk Manager
Harper Davis
harper.davis@bank.com
+1 555 0220
Portfolio: $2.09B
Business Head
James Smith
james.smith@bank.com
+1 555 0011
Portfolio: $2.05B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $33.10M | $18.83M | $51.93M | 82.3% | 6 | Loss |
| 2026-05 | $31.32M | $19.56M | $50.88M | 78.0% | 6 | Loss |
| 2026-04 | $27.20M | $21.84M | $49.04M | 82.7% | 6 | Loss |
| 2026-03 | $30.84M | $18.89M | $49.73M | 79.0% | 6 | Loss |
| 2026-02 | $29.67M | $20.34M | $50.01M | 73.3% | 6 | Loss |
| 2026-01 | $27.91M | $19.70M | $47.61M | 78.8% | 6 | Loss |
| 2025-12 | $26.92M | $23.09M | $50.01M | 80.9% | 6 | Loss |
| 2025-11 | $29.07M | $21.01M | $50.08M | 82.9% | 6 | Loss |
| 2025-10 | $26.31M | $21.63M | $47.94M | 88.8% | 6 | Loss |
| 2025-09 | $26.32M | $19.87M | $46.19M | 86.6% | 6 | Loss |
| 2025-08 | $25.14M | $20.02M | $45.17M | 85.5% | 6 | Loss |
| 2025-07 | $29.47M | $15.59M | $45.06M | 90.2% | 6 | Loss |