Coastal Telecom Co.
CIF-01400 · U76399GE2014PLC101400 · Retail Trade · Syndicated · Germany
RM: Lucas White
Credit Risk Manager: Sophia Thompson
Exposure: $17.24M
CBRB: Substandard
Internal: Substandard
Risk Score:60 · Medium
Total Exposure
$17.24M
Prev: $16.24M6.2%
Utilization
50.5%
Prev: 51.6%1.1pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
Substandard
Prev: OLEM
Open Alerts
3
C 0
H 0
M 3
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
2025-03
OLEMDowngrade
2025-11
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/6/2026 | Rating Downgrade | High | Borrower rating migrated from Substandard to Substandard. | Dismissed | Matthew Sanchez | — |
| 1/22/2026 | Rating Upgrade | Medium | Borrower rating improved to Substandard. | Open | Benjamin Jones | — |
| 5/24/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | Nathan Hernandez | — |
| 12/21/2025 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Dismissed | Daniel Martin | — |
| 4/29/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Open | Charlotte Perez | — |
AI Risk Score
60
/ 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+27
Utilization Level+13
Industry Concentration+11
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 6.2% month-over-month, currently at $17.24M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 50.5%. 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
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
Credit Risk Manager
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
Business Head
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $9.37M | $7.87M | $17.24M | 50.5% | 1 | Substandard |
| 2026-05 | $9.79M | $6.44M | $16.24M | 51.6% | 1 | Substandard |
| 2026-04 | $8.39M | $7.53M | $15.91M | 47.6% | 1 | Substandard |
| 2026-03 | $9.93M | $5.19M | $15.12M | 45.4% | 1 | Substandard |
| 2026-02 | $8.26M | $7.12M | $15.38M | 40.1% | 1 | Substandard |
| 2026-01 | $7.71M | $6.79M | $14.50M | 37.9% | 1 | Substandard |
| 2025-12 | $9.41M | $5.38M | $14.79M | 36.0% | 1 | Substandard |
| 2025-11 | $9.30M | $6.22M | $15.52M | 41.2% | 1 | Substandard |
| 2025-10 | $9.65M | $5.49M | $15.14M | 37.8% | 1 | OLEM |
| 2025-09 | $8.84M | $6.19M | $15.04M | 34.9% | 1 | OLEM |
| 2025-08 | $9.17M | $6.26M | $15.42M | 37.1% | 1 | OLEM |
| 2025-07 | $9.45M | $6.30M | $15.75M | 37.9% | 1 | OLEM |