Eastpoint Hospitality Group
CIF-01571 · U76570BR2014PLC101571 · Mining · Syndicated · Brazil
RM: Nathan Hernandez
Credit Risk Manager: Emily Martinez
Exposure: $13.84M
CBRB: Substandard
Internal: OLEM
Risk Score:70 · High
Total Exposure
$13.84M
Prev: $14.25M2.9%
Utilization
53.3%
Prev: 47.6%5.7pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
OLEM
Prev: OLEM
Open Alerts
3
C 1
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
No rating changes in the last 24 months. Currently Substandard.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/20/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Dismissed | Ryan Harris | — |
| 2/3/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | Dismissed | David Wilson | — |
| 6/10/2026 | Rating Upgrade | Medium | Borrower rating improved to Substandard. | Open | Michael Miller | — |
| 5/30/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | In Review | Benjamin Jones | — |
| 12/25/2025 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | In Review | James Smith | — |
AI Risk Score
70
/ 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+27
Utilization Level+13
Industry Concentration+10
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 2.9% month-over-month, currently at $13.84M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 53.3%. Overall borrower risk is assessed as high.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Nathan Hernandez
nathan.hernandez@bank.com
+1 555 0231
Portfolio: $1.79B
Credit Risk Manager
Emily Martinez
emily.martinez@bank.com
+1 555 0044
Portfolio: $2.24B
Business Head
Isabella Williams
isabella.williams@bank.com
+1 555 0110
Portfolio: $2.11B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $7.27M | $6.57M | $13.84M | 53.3% | 3 | Substandard |
| 2026-05 | $8.31M | $5.94M | $14.25M | 47.6% | 3 | Substandard |
| 2026-04 | $7.20M | $6.14M | $13.34M | 47.9% | 4 | Substandard |
| 2026-03 | $7.45M | $5.28M | $12.73M | 47.4% | 4 | Substandard |
| 2026-02 | $6.69M | $5.25M | $11.95M | 43.6% | 4 | Substandard |
| 2026-01 | $7.04M | $5.26M | $12.30M | 37.9% | 4 | Substandard |
| 2025-12 | $6.61M | $5.85M | $12.46M | 40.3% | 4 | Substandard |
| 2025-11 | $7.58M | $5.09M | $12.68M | 38.1% | 5 | Substandard |
| 2025-10 | $8.21M | $4.61M | $12.82M | 42.6% | 5 | Substandard |
| 2025-09 | $7.25M | $6.16M | $13.42M | 48.3% | 5 | Substandard |
| 2025-08 | $7.98M | $5.58M | $13.56M | 48.7% | 6 | Substandard |
| 2025-07 | $7.82M | $5.69M | $13.51M | 48.6% | 5 | Substandard |