Granite Manufacturing Inc
CIF-01436 · U76435UA2014PLC101436 · Mining · Public Sector · UAE
RM: Andrew Garcia
Credit Risk Manager: Benjamin Jones
Exposure: $38.63M
CBRB: Normal
Internal: Normal
Risk Score:44 · Medium
Total Exposure
$38.63M
Prev: $38.31M0.8%
Utilization
52.4%
Prev: 49.8%2.6pp
Banking Relationships
6
Prev: 60.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
2
C 0
H 0
M 0
L 2
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 Normal.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 12/13/2025 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Open | Amelia Thomas | — |
| 3/5/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Resolved | Emily Martinez | 3/5/2026 |
| 6/6/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Open | Lucas White | — |
AI Risk Score
44
/ 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+15
Banking Relationship Growth+15
Industry Concentration+15
Utilization Level+13
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 0.8% month-over-month, currently at $38.63M. Banking relationships moved from 6 to 6 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 52.4%. 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
Andrew Garcia
andrew.garcia@bank.com
+1 555 0121
Portfolio: $2.16B
Credit Risk Manager
Benjamin Jones
benjamin.jones@bank.com
+1 555 0209
Portfolio: $2.38B
Business Head
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $25.83M | $12.81M | $38.63M | 52.4% | 6 | Normal |
| 2026-05 | $25.58M | $12.73M | $38.31M | 49.8% | 6 | Normal |
| 2026-04 | $20.59M | $16.43M | $37.01M | 49.9% | 6 | Normal |
| 2026-03 | $22.56M | $15.28M | $37.85M | 43.9% | 6 | Normal |
| 2026-02 | $19.70M | $17.77M | $37.47M | 49.2% | 6 | Normal |
| 2026-01 | $22.36M | $15.77M | $38.13M | 53.8% | 6 | Normal |
| 2025-12 | $26.23M | $13.74M | $39.97M | 58.5% | 6 | Normal |
| 2025-11 | $24.23M | $17.21M | $41.44M | 57.1% | 6 | Normal |
| 2025-10 | $27.21M | $15.42M | $42.63M | 59.2% | 6 | Normal |
| 2025-09 | $21.92M | $18.13M | $40.05M | 64.2% | 6 | Normal |
| 2025-08 | $24.79M | $15.59M | $40.38M | 58.4% | 6 | Normal |
| 2025-07 | $23.29M | $16.56M | $39.85M | 61.0% | 6 | Normal |