Vertex Logistics Group
CIF-01408 · U76407US2014PLC101408 · Information Technology · Financial Institution · USA
RM: Sophia Thompson
Credit Risk Manager: Charlotte Perez
Exposure: $3.29M
CBRB: Loss
Internal: Loss
Risk Score:92 · Critical
Total Exposure
$3.29M
Prev: $3.20M2.6%
Utilization
48.7%
Prev: 54.7%6.0pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Loss
Prev: Loss
Internal Rating
Loss
Prev: Loss
Open Alerts
3
C 0
H 0
M 2
L 1
Exposure Trend Analysis · 24 Months
Funded · Non-Funded · Total
Utilization Trend · Reporting Bank vs Other Banks
Threshold 70%
Rating Migration Timeline
2024-07
DoubtfulStart
2025-10
LossDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/3/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Open | Andrew Garcia | — |
| 3/11/2026 | Rating Upgrade | Medium | Borrower rating improved to Loss. | Open | Grace Lee | — |
| 2/15/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Dismissed | Charlotte Perez | — |
| 6/9/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Open | Daniel Martin | — |
AI Risk Score
92
/ 100
Critical 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+39
Utilization Level+12
Industry Concentration+9
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 2.6% month-over-month, currently at $3.29M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from Loss to Loss. Current utilization is 48.7%. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
Credit Risk Manager
Charlotte Perez
charlotte.perez@bank.com
+1 555 0176
Portfolio: $2.23B
Business Head
Ella Anderson
ella.anderson@bank.com
+1 555 0242
Portfolio: $1.99B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $1.84M | $1.44M | $3.29M | 48.7% | 1 | Loss |
| 2026-05 | $1.81M | $1.39M | $3.20M | 54.7% | 1 | Loss |
| 2026-04 | $2.14M | $1.10M | $3.24M | 49.5% | 1 | Loss |
| 2026-03 | $2.22M | $1.12M | $3.33M | 48.2% | 1 | Loss |
| 2026-02 | $1.81M | $1.56M | $3.37M | 49.3% | 1 | Loss |
| 2026-01 | $2.28M | $1.13M | $3.41M | 48.1% | 1 | Loss |
| 2025-12 | $2.13M | $1.26M | $3.39M | 47.9% | 1 | Loss |
| 2025-11 | $1.99M | $1.29M | $3.27M | 45.6% | 1 | Loss |
| 2025-10 | $2.02M | $1.20M | $3.22M | 39.8% | 1 | Loss |
| 2025-09 | $1.87M | $1.45M | $3.33M | 39.8% | 1 | Doubtful |
| 2025-08 | $1.98M | $1.20M | $3.18M | 37.7% | 1 | Doubtful |
| 2025-07 | $1.76M | $1.53M | $3.29M | 39.6% | 1 | Doubtful |