Heritage Corporation LLC
CIF-01621 · U76620US2014PLC101621 · Manufacturing · Syndicated · USA
RM: Nathan Hernandez
Credit Risk Manager: Emily Martinez
Exposure: $6.41M
CBRB: Normal
Internal: Normal
Risk Score:38 · Medium
Total Exposure
$6.41M
Prev: $6.37M0.5%
Utilization
55.4%
Prev: 54.5%0.9pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
1
C 0
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
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 |
|---|---|---|---|---|---|---|
| 1/13/2026 | Rating Downgrade | Critical | Borrower rating migrated from Normal to Normal. | Resolved | Daniel Martin | 1/13/2026 |
| 6/4/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | In Review | James Smith | — |
AI Risk Score
38
/ 100
Medium 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
Banking Relationship Growth+15
Utilization Level+14
Industry Concentration+10
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 0.5% month-over-month, currently at $6.41M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 55.4%. Overall borrower risk is assessed as medium.
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 | $4.28M | $2.12M | $6.41M | 55.4% | 5 | Normal |
| 2026-05 | $4.07M | $2.30M | $6.37M | 54.5% | 5 | Normal |
| 2026-04 | $3.65M | $2.33M | $5.98M | 52.6% | 5 | Normal |
| 2026-03 | $3.69M | $2.52M | $6.21M | 48.2% | 5 | Normal |
| 2026-02 | $3.67M | $2.72M | $6.39M | 50.6% | 5 | Normal |
| 2026-01 | $3.65M | $2.38M | $6.03M | 48.5% | 5 | Normal |
| 2025-12 | $3.78M | $2.06M | $5.84M | 49.4% | 5 | Normal |
| 2025-11 | $3.16M | $2.32M | $5.49M | 51.2% | 5 | Normal |
| 2025-10 | $3.10M | $2.20M | $5.30M | 49.3% | 4 | Normal |
| 2025-09 | $3.33M | $2.17M | $5.50M | 48.6% | 4 | Normal |
| 2025-08 | $3.19M | $2.53M | $5.72M | 47.5% | 4 | Normal |
| 2025-07 | $3.01M | $2.40M | $5.41M | 43.0% | 4 | Normal |