Pacific Hospitality Ltd
CIF-01576 · U76575BR2014PLC101576 · Information Technology · Financial Institution · Brazil
RM: James Smith
Credit Risk Manager: Matthew Sanchez
Exposure: $5.09M
CBRB: Doubtful
Internal: Substandard
Risk Score:98 · Critical
Total Exposure
$5.09M
Prev: $4.99M2.0%
Utilization
67.0%
Prev: 64.1%2.9pp
Banking Relationships
6
Prev: 60.0
CBRB Rating
Doubtful
Prev: Substandard
Internal Rating
Substandard
Prev: Substandard
Open Alerts
5
C 1
H 1
M 2
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
2026-05
DoubtfulDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 8
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 5/30/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Resolved | Christopher Lopez | 5/30/2026 |
| 3/1/2026 | Rating Upgrade | Low | Borrower rating improved to Doubtful. | Open | Joseph Jackson | — |
| 1/1/2026 | Rating Downgrade | Critical | Borrower rating migrated from Substandard to Doubtful. | Resolved | Ava Johnson | 1/1/2026 |
| 1/7/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Dismissed | Olivia Taylor | — |
| 5/2/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Sophia Thompson | — |
| 4/18/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Isabella Williams | — |
| 4/30/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | In Review | Jacob Moore | — |
| 2/25/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | In Review | Nathan Hernandez | — |
AI Risk Score
98
/ 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+33
Utilization Level+17
Banking Relationship Growth+15
Industry Concentration+13
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 2.0% month-over-month, currently at $5.09M. Banking relationships moved from 6 to 6 banks per CBRB data. CBRB rating deteriorated from Substandard to Doubtful. Current utilization is 67.0%. 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
James Smith
james.smith@bank.com
+1 555 0011
Portfolio: $2.05B
Credit Risk Manager
Matthew Sanchez
matthew.sanchez@bank.com
+1 555 0099
Portfolio: $2.20B
Business Head
Joseph Jackson
joseph.jackson@bank.com
+1 555 0165
Portfolio: $2.24B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $3.02M | $2.07M | $5.09M | 67.0% | 6 | Doubtful |
| 2026-05 | $2.86M | $2.13M | $4.99M | 64.1% | 6 | Doubtful |
| 2026-04 | $2.71M | $2.03M | $4.74M | 63.9% | 6 | Substandard |
| 2026-03 | $3.34M | $1.63M | $4.97M | 63.9% | 7 | Substandard |
| 2026-02 | $3.13M | $1.56M | $4.69M | 67.4% | 7 | Substandard |
| 2026-01 | $2.80M | $1.59M | $4.38M | 63.7% | 7 | Substandard |
| 2025-12 | $2.35M | $1.98M | $4.33M | 61.7% | 7 | Substandard |
| 2025-11 | $2.31M | $1.90M | $4.21M | 67.2% | 7 | Substandard |
| 2025-10 | $2.83M | $1.49M | $4.32M | 68.8% | 7 | Substandard |
| 2025-09 | $2.65M | $1.80M | $4.45M | 73.5% | 7 | Substandard |
| 2025-08 | $3.02M | $1.47M | $4.48M | 75.4% | 7 | Substandard |
| 2025-07 | $2.87M | $1.48M | $4.36M | 80.2% | 7 | Substandard |