Citadel Partners Co.
CIF-01395 · U76394US2014PLC101395 · Mining · Syndicated · USA
RM: Harper Davis
Credit Risk Manager: Michael Miller
Exposure: $29.77M
CBRB: Substandard
Internal: Substandard
Risk Score:78 · High
Total Exposure
$29.77M
Prev: $27.95M6.5%
Utilization
91.1%
Prev: 90.9%0.2pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Substandard
Prev: OLEM
Internal Rating
Substandard
Prev: Substandard
Open Alerts
2
C 0
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
2024-07
NormalStart
2025-07
OLEMDowngrade
2026-04
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 6
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/2/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | Olivia Taylor | — |
| 6/4/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Resolved | Olivia Taylor | 6/4/2026 |
| 4/13/2026 | Rating Upgrade | Low | Borrower rating improved to Substandard. | Resolved | Isabella Williams | 4/13/2026 |
| 12/31/2025 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Resolved | Joseph Jackson | 12/31/2025 |
| 2/15/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | Ella Anderson | — |
| 1/10/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Dismissed | Nathan Hernandez | — |
AI Risk Score
78
/ 100
High 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
Utilization Level+23
Industry Concentration+14
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 6.5% month-over-month, currently at $29.77M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating deteriorated from OLEM to Substandard. Current utilization is 91.1% — above the 70% early warning threshold. Overall borrower risk is assessed as high. 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
Harper Davis
harper.davis@bank.com
+1 555 0220
Portfolio: $2.09B
Credit Risk Manager
Michael Miller
michael.miller@bank.com
+1 555 0033
Portfolio: $2.26B
Business Head
Matthew Sanchez
matthew.sanchez@bank.com
+1 555 0099
Portfolio: $2.20B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $18.78M | $10.99M | $29.77M | 91.1% | 1 | Substandard |
| 2026-05 | $17.40M | $10.55M | $27.95M | 90.9% | 1 | Substandard |
| 2026-04 | $17.56M | $10.32M | $27.88M | 94.4% | 1 | Substandard |
| 2026-03 | $17.48M | $10.17M | $27.65M | 95.8% | 1 | OLEM |
| 2026-02 | $14.60M | $11.99M | $26.59M | 98.0% | 2 | OLEM |
| 2026-01 | $17.13M | $9.06M | $26.19M | 97.0% | 2 | OLEM |
| 2025-12 | $16.69M | $10.44M | $27.13M | 95.4% | 2 | OLEM |
| 2025-11 | $16.37M | $9.31M | $25.68M | 90.6% | 2 | OLEM |
| 2025-10 | $16.75M | $9.73M | $26.48M | 88.1% | 2 | OLEM |
| 2025-09 | $14.23M | $10.63M | $24.86M | 85.1% | 2 | OLEM |
| 2025-08 | $14.55M | $9.98M | $24.53M | 84.1% | 2 | OLEM |
| 2025-07 | $15.66M | $9.30M | $24.96M | 87.8% | 2 | OLEM |