Highland Energy SA
CIF-01392 · U76391GE2014PLC101392 · Wholesale Trade · Micro Enterprise · Germany
RM: Ryan Harris
Credit Risk Manager: Lucas White
Exposure: $322.4K
CBRB: Normal
Internal: Normal
Risk Score:37 · Medium
Total Exposure
$322.4K
Prev: $301.4K6.9%
Utilization
55.0%
Prev: 50.5%4.5pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
5
C 1
H 0
M 3
L 1
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 · 6
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 4/12/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | Olivia Taylor | — |
| 4/12/2026 | Rating Downgrade | Critical | Borrower rating migrated from Normal to Normal. | In Review | Matthew Sanchez | — |
| 6/10/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | In Review | Ryan Harris | — |
| 1/21/2026 | Rating Upgrade | Low | Borrower rating improved to Normal. | Dismissed | Sarah Brown | — |
| 4/26/2026 | Rating Upgrade | Medium | Borrower rating improved to Normal. | Open | Grace Lee | — |
| 2/23/2026 | Rating Upgrade | Medium | Borrower rating improved to Normal. | In Review | Joseph Jackson | — |
AI Risk Score
37
/ 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
Utilization Level+14
Industry Concentration+9
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 6.9% month-over-month, currently at $322.4K. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 55.0%. 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
Ryan Harris
ryan.harris@bank.com
+1 555 0187
Portfolio: $1.96B
Credit Risk Manager
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
Business Head
Olivia Taylor
olivia.taylor@bank.com
+1 555 0066
Portfolio: $2.26B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $191.1K | $131.3K | $322.4K | 55.0% | 2 | Normal |
| 2026-05 | $167.4K | $134.0K | $301.4K | 50.5% | 2 | Normal |
| 2026-04 | $184.6K | $125.2K | $309.9K | 54.7% | 2 | Normal |
| 2026-03 | $178.6K | $114.7K | $293.3K | 54.5% | 3 | Normal |
| 2026-02 | $199.8K | $107.4K | $307.2K | 49.8% | 3 | Normal |
| 2026-01 | $203.0K | $118.9K | $321.9K | 52.1% | 3 | Normal |
| 2025-12 | $167.3K | $140.6K | $307.9K | 50.6% | 3 | Normal |
| 2025-11 | $181.3K | $137.2K | $318.5K | 50.8% | 4 | Normal |
| 2025-10 | $194.2K | $109.6K | $303.9K | 44.9% | 4 | Normal |
| 2025-09 | $180.4K | $123.0K | $303.4K | 42.5% | 4 | Normal |
| 2025-08 | $165.5K | $139.0K | $304.5K | 47.5% | 4 | Normal |
| 2025-07 | $202.2K | $98.5K | $300.7K | 52.0% | 4 | Normal |