Vertex Partners Inc
CIF-01424 · U76423GE2014PLC101424 · Retail Trade · Large Corporate · Germany
RM: Grace Lee
Credit Risk Manager: Daniel Martin
Exposure: $18.62M
CBRB: Substandard
Internal: Substandard
Risk Score:60 · Medium
Total Exposure
$18.62M
Prev: $17.63M5.6%
Utilization
58.6%
Prev: 59.4%0.8pp
Banking Relationships
4
Prev: 31.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
Substandard
Prev: Substandard
Open Alerts
0
C 0
H 0
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
No rating changes in the last 24 months. Currently Substandard.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 1
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/5/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Resolved | Sarah Brown | 6/5/2026 |
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
Industry Concentration+16
Utilization Level+15
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 5.6% month-over-month, currently at $18.62M. Banking relationships moved from 3 to 4 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 58.6%. 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
Grace Lee
grace.lee@bank.com
+1 555 0264
Portfolio: $2.12B
Credit Risk Manager
Daniel Martin
daniel.martin@bank.com
+1 555 0077
Portfolio: $2.17B
Business Head
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $11.30M | $7.32M | $18.62M | 58.6% | 4 | Substandard |
| 2026-05 | $10.31M | $7.32M | $17.63M | 59.4% | 3 | Substandard |
| 2026-04 | $11.00M | $6.93M | $17.93M | 64.2% | 3 | Substandard |
| 2026-03 | $9.51M | $8.08M | $17.60M | 60.4% | 3 | Substandard |
| 2026-02 | $9.20M | $7.59M | $16.79M | 65.1% | 3 | Substandard |
| 2026-01 | $10.63M | $6.57M | $17.20M | 62.2% | 3 | Substandard |
| 2025-12 | $9.12M | $7.19M | $16.32M | 61.2% | 3 | Substandard |
| 2025-11 | $9.71M | $6.11M | $15.82M | 57.6% | 2 | Substandard |
| 2025-10 | $9.22M | $5.56M | $14.78M | 57.4% | 1 | Substandard |
| 2025-09 | $9.02M | $5.05M | $14.08M | 52.8% | 1 | Substandard |
| 2025-08 | $8.20M | $5.67M | $13.87M | 55.3% | 1 | Substandard |
| 2025-07 | $7.33M | $6.05M | $13.38M | 57.5% | 1 | Substandard |