Horizon Industries SA
CIF-01402 · U76401US2014PLC101402 · Energy & Utilities · Large Corporate · USA
RM: Sarah Brown
Credit Risk Manager: Isabella Williams
Exposure: $292.8K
CBRB: Substandard
Internal: Doubtful
Risk Score:76 · High
Total Exposure
$292.8K
Prev: $294.7K0.6%
Utilization
87.2%
Prev: 89.6%2.4pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
Doubtful
Prev: Doubtful
Open Alerts
3
C 0
H 0
M 1
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
2024-08
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 12/26/2025 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | In Review | Grace Lee | — |
| 1/31/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Resolved | Nathan Hernandez | 1/31/2026 |
| 6/8/2026 | Rating Upgrade | Low | Borrower rating improved to Substandard. | Open | Harper Davis | — |
| 5/25/2026 | Rating Downgrade | High | Borrower rating migrated from Substandard to Substandard. | Dismissed | Michael Miller | — |
| 3/1/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | Matthew Sanchez | — |
AI Risk Score
76
/ 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+22
Internal Rating Drift+12
Industry Concentration+10
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure decreased by 0.6% month-over-month, currently at $292.8K. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 87.2% — 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
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
Credit Risk Manager
Isabella Williams
isabella.williams@bank.com
+1 555 0110
Portfolio: $2.11B
Business Head
Charlotte Perez
charlotte.perez@bank.com
+1 555 0176
Portfolio: $2.23B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $157.4K | $135.4K | $292.8K | 87.2% | 2 | Substandard |
| 2026-05 | $161.4K | $133.2K | $294.7K | 89.6% | 2 | Substandard |
| 2026-04 | $165.9K | $130.1K | $296.0K | 84.1% | 3 | Substandard |
| 2026-03 | $150.0K | $129.1K | $279.1K | 81.5% | 3 | Substandard |
| 2026-02 | $180.2K | $100.4K | $280.6K | 77.2% | 2 | Substandard |
| 2026-01 | $184.7K | $95.7K | $280.4K | 72.3% | 2 | Substandard |
| 2025-12 | $195.1K | $98.0K | $293.1K | 78.2% | 2 | Substandard |
| 2025-11 | $168.7K | $125.8K | $294.5K | 79.6% | 2 | Substandard |
| 2025-10 | $166.1K | $124.0K | $290.1K | 78.1% | 2 | Substandard |
| 2025-09 | $183.9K | $100.2K | $284.1K | 77.1% | 2 | Substandard |
| 2025-08 | $157.1K | $133.9K | $291.1K | 82.2% | 2 | Substandard |
| 2025-07 | $160.8K | $120.9K | $281.7K | 78.1% | 2 | Substandard |