Alpha Logistics Co.
CIF-01374 · U76373AU2014PLC101374 · Wholesale Trade · Financial Institution · Australia
RM: Grace Lee
Credit Risk Manager: Daniel Martin
Exposure: $254.4K
CBRB: Loss
Internal: Doubtful
Risk Score:100 · Critical
Total Exposure
$254.4K
Prev: $241.2K5.5%
Utilization
46.7%
Prev: 42.6%4.1pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
Loss
Prev: Doubtful
Internal Rating
Doubtful
Prev: Doubtful
Open Alerts
2
C 0
H 0
M 0
L 2
Exposure Trend Analysis · 24 Months
Funded · Non-Funded · Total
Utilization Trend · Reporting Bank vs Other Banks
Threshold 70%
Rating Migration Timeline
2024-07
OLEMStart
2024-11
SubstandardDowngrade
2026-01
DoubtfulDowngrade
2026-06
LossDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/21/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Open | Sarah Brown | — |
| 1/2/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | In Review | Olivia Taylor | — |
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
Banking Relationship Growth+15
Utilization Level+12
Industry Concentration+9
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 5.5% month-over-month, currently at $254.4K. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating deteriorated from Doubtful to Loss. Current utilization is 46.7%. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Grace Lee
grace.lee@bank.com
+1 555 0264
Portfolio: $2.12B
Credit Risk Manager
Daniel Martin
daniel.martin@bank.com
+1 555 0077
Portfolio: $2.17B
Business Head
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $168.3K | $86.1K | $254.4K | 46.7% | 5 | Loss |
| 2026-05 | $155.7K | $85.5K | $241.2K | 42.6% | 5 | Doubtful |
| 2026-04 | $126.5K | $104.3K | $230.8K | 45.1% | 5 | Doubtful |
| 2026-03 | $127.5K | $95.9K | $223.4K | 41.4% | 5 | Doubtful |
| 2026-02 | $116.9K | $99.6K | $216.4K | 41.5% | 5 | Doubtful |
| 2026-01 | $130.6K | $95.8K | $226.4K | 44.4% | 5 | Doubtful |
| 2025-12 | $142.2K | $76.0K | $218.2K | 42.9% | 5 | Substandard |
| 2025-11 | $139.5K | $80.2K | $219.6K | 37.2% | 5 | Substandard |
| 2025-10 | $123.0K | $106.4K | $229.4K | 32.7% | 5 | Substandard |
| 2025-09 | $124.1K | $102.5K | $226.6K | 31.3% | 5 | Substandard |
| 2025-08 | $115.3K | $102.8K | $218.2K | 31.6% | 4 | Substandard |
| 2025-07 | $140.8K | $77.7K | $218.4K | 29.5% | 4 | Substandard |