Pioneer Pharma PLC
CIF-01445 · U76444AU2014PLC101445 · Hospitality · Micro Enterprise · Australia
RM: Harper Davis
Credit Risk Manager: Michael Miller
Exposure: $1.29M
CBRB: Normal
Internal: Normal
Risk Score:25 · Low
Total Exposure
$1.29M
Prev: $1.28M1.1%
Utilization
33.9%
Prev: 39.8%5.9pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
1
C 0
H 0
M 0
L 1
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 · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 3/25/2026 | Rating Downgrade | Critical | Borrower rating migrated from Normal to Normal. | Dismissed | James Smith | — |
| 6/4/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Open | Christopher Lopez | — |
AI Risk Score
25
/ 100
Low 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
Industry Concentration+12
Utilization Level+8
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 1.1% month-over-month, currently at $1.29M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 33.9%. Overall borrower risk is assessed as low.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Harper Davis
harper.davis@bank.com
+1 555 0220
Portfolio: $2.09B
Credit Risk Manager
Michael Miller
michael.miller@bank.com
+1 555 0033
Portfolio: $2.26B
Business Head
Matthew Sanchez
matthew.sanchez@bank.com
+1 555 0099
Portfolio: $2.20B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $744.2K | $547.0K | $1.29M | 33.9% | 1 | Normal |
| 2026-05 | $752.6K | $524.3K | $1.28M | 39.8% | 1 | Normal |
| 2026-04 | $789.2K | $547.9K | $1.34M | 42.6% | 1 | Normal |
| 2026-03 | $846.7K | $496.9K | $1.34M | 42.7% | 1 | Normal |
| 2026-02 | $849.2K | $420.5K | $1.27M | 46.5% | 1 | Normal |
| 2026-01 | $747.7K | $508.4K | $1.26M | 41.8% | 1 | Normal |
| 2025-12 | $700.0K | $551.7K | $1.25M | 47.7% | 2 | Normal |
| 2025-11 | $690.3K | $571.4K | $1.26M | 52.4% | 2 | Normal |
| 2025-10 | $807.9K | $458.3K | $1.27M | 58.4% | 2 | Normal |
| 2025-09 | $723.8K | $566.5K | $1.29M | 54.0% | 2 | Normal |
| 2025-08 | $833.2K | $404.1K | $1.24M | 57.7% | 2 | Normal |
| 2025-07 | $756.4K | $443.3K | $1.20M | 54.4% | 2 | Normal |