Ironclad Technologies Group
CIF-01450 · U76449CA2014PLC101450 · Mining · Micro Enterprise · Canada
RM: Lucas White
Credit Risk Manager: Sophia Thompson
Exposure: $16.85M
CBRB: Substandard
Internal: OLEM
Risk Score:88 · Critical
Total Exposure
$16.85M
Prev: $16.53M1.9%
Utilization
68.8%
Prev: 65.5%3.3pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
Substandard
Prev: OLEM
Internal Rating
OLEM
Prev: OLEM
Open Alerts
2
C 0
H 0
M 1
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
SubstandardStart
2026-01
OLEMUpgrade
2026-04
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/6/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Dismissed | Nathan Hernandez | — |
| 5/16/2026 | Rating Upgrade | Low | Borrower rating improved to Substandard. | Open | Michael Miller | — |
| 5/14/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Open | James Smith | — |
AI Risk Score
88
/ 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+27
Utilization Level+17
Banking Relationship Growth+15
Industry Concentration+14
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 1.9% month-over-month, currently at $16.85M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating deteriorated from OLEM to Substandard. Current utilization is 68.8%. 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
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
Credit Risk Manager
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
Business Head
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $10.73M | $6.12M | $16.85M | 68.8% | 5 | Substandard |
| 2026-05 | $8.81M | $7.72M | $16.53M | 65.5% | 5 | Substandard |
| 2026-04 | $8.85M | $7.20M | $16.05M | 60.8% | 5 | Substandard |
| 2026-03 | $9.31M | $5.99M | $15.30M | 66.2% | 5 | OLEM |
| 2026-02 | $9.37M | $6.02M | $15.38M | 64.8% | 5 | OLEM |
| 2026-01 | $8.89M | $6.25M | $15.14M | 69.8% | 5 | OLEM |
| 2025-12 | $9.49M | $5.42M | $14.91M | 72.5% | 5 | Substandard |
| 2025-11 | $9.21M | $4.99M | $14.20M | 73.3% | 5 | Substandard |
| 2025-10 | $7.74M | $6.71M | $14.46M | 77.1% | 5 | Substandard |
| 2025-09 | $8.08M | $6.51M | $14.60M | 76.8% | 5 | Substandard |
| 2025-08 | $8.10M | $6.28M | $14.38M | 71.0% | 5 | Substandard |
| 2025-07 | $9.16M | $4.52M | $13.67M | 74.0% | 5 | Substandard |