Lakeside Foods SA
CIF-01397 · U76396UK2014PLC101397 · Information Technology · Micro Enterprise · UK
RM: Ella Anderson
Credit Risk Manager: David Wilson
Exposure: $14.07M
CBRB: OLEM
Internal: Normal
Risk Score:48 · Medium
Total Exposure
$14.07M
Prev: $14.15M0.6%
Utilization
44.7%
Prev: 48.3%3.6pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
OLEM
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
1
C 0
H 1
M 0
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
2026-05
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 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. | Resolved | Mia Rodriguez | 6/9/2026 |
| 4/7/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Mia Rodriguez | — |
| 4/28/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Dismissed | Charlotte Perez | — |
AI Risk Score
48
/ 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+21
Industry Concentration+15
Utilization Level+11
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 0.6% month-over-month, currently at $14.07M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating deteriorated from Normal to OLEM. Current utilization is 44.7%. 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
Ella Anderson
ella.anderson@bank.com
+1 555 0242
Portfolio: $1.99B
Credit Risk Manager
David Wilson
david.wilson@bank.com
+1 555 0055
Portfolio: $2.35B
Business Head
Andrew Garcia
andrew.garcia@bank.com
+1 555 0121
Portfolio: $2.16B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $7.76M | $6.31M | $14.07M | 44.7% | 2 | OLEM |
| 2026-05 | $7.47M | $6.68M | $14.15M | 48.3% | 2 | OLEM |
| 2026-04 | $8.99M | $4.94M | $13.93M | 44.1% | 2 | Normal |
| 2026-03 | $8.63M | $5.41M | $14.05M | 42.2% | 2 | Normal |
| 2026-02 | $8.81M | $4.66M | $13.47M | 38.1% | 2 | Normal |
| 2026-01 | $7.05M | $5.56M | $12.61M | 41.0% | 2 | Normal |
| 2025-12 | $7.52M | $5.70M | $13.22M | 43.6% | 2 | Normal |
| 2025-11 | $8.65M | $4.81M | $13.46M | 41.3% | 2 | Normal |
| 2025-10 | $9.31M | $4.69M | $14.01M | 43.0% | 2 | Normal |
| 2025-09 | $7.84M | $6.85M | $14.68M | 41.3% | 3 | Normal |
| 2025-08 | $7.89M | $5.99M | $13.89M | 35.5% | 3 | Normal |
| 2025-07 | $7.81M | $6.02M | $13.83M | 39.5% | 3 | Normal |