Evergreen Industries SA
CIF-01498 · U76497BR2014PLC101498 · Agriculture · Micro Enterprise · Brazil
RM: Jacob Moore
Credit Risk Manager: Olivia Taylor
Exposure: $16.02M
CBRB: OLEM
Internal: Normal
Risk Score:62 · High
Total Exposure
$16.02M
Prev: $16.47M2.7%
Utilization
81.4%
Prev: 78.0%3.4pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
Normal
Prev: Normal
Open Alerts
2
C 1
H 0
M 1
L 0
Exposure Trend Analysis · 24 Months
Funded · Non-Funded · Total
Utilization Trend · Reporting Bank vs Other Banks
Threshold 70%
Rating Migration Timeline
2024-07
NormalStart
2024-12
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/3/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Dismissed | Sophia Thompson | — |
| 1/30/2026 | Rating Downgrade | Critical | Borrower rating migrated from OLEM to OLEM. | In Review | Charlotte Perez | — |
| 6/9/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | In Review | Joseph Jackson | — |
| 12/25/2025 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Dismissed | Grace Lee | — |
| 3/17/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Dismissed | Sarah Brown | — |
AI Risk Score
62
/ 100
High 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+21
Utilization Level+20
Industry Concentration+14
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 2.7% month-over-month, currently at $16.02M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 81.4% — above the 70% early warning threshold. Overall borrower risk is assessed as high.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Jacob Moore
jacob.moore@bank.com
+1 555 0253
Portfolio: $2.23B
Credit Risk Manager
Olivia Taylor
olivia.taylor@bank.com
+1 555 0066
Portfolio: $2.26B
Business Head
Mia Rodriguez
mia.rodriguez@bank.com
+1 555 0132
Portfolio: $2.26B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $8.97M | $7.05M | $16.02M | 81.4% | 2 | OLEM |
| 2026-05 | $9.41M | $7.07M | $16.47M | 78.0% | 2 | OLEM |
| 2026-04 | $9.74M | $7.45M | $17.19M | 74.4% | 3 | OLEM |
| 2026-03 | $11.08M | $6.94M | $18.02M | 72.3% | 3 | OLEM |
| 2026-02 | $10.09M | $7.05M | $17.14M | 67.6% | 3 | OLEM |
| 2026-01 | $9.55M | $7.09M | $16.64M | 67.5% | 3 | OLEM |
| 2025-12 | $11.21M | $5.56M | $16.76M | 62.9% | 4 | OLEM |
| 2025-11 | $11.13M | $5.86M | $16.98M | 66.1% | 5 | OLEM |
| 2025-10 | $11.13M | $5.87M | $16.99M | 62.4% | 5 | OLEM |
| 2025-09 | $9.87M | $7.90M | $17.77M | 63.2% | 5 | OLEM |
| 2025-08 | $9.14M | $7.84M | $16.97M | 63.6% | 5 | OLEM |
| 2025-07 | $10.88M | $6.13M | $17.01M | 57.7% | 6 | OLEM |