Sapphire Capital Ltd
CIF-01635 · U76634CA2014PLC101635 · Mining · Large Corporate · Canada
RM: Isabella Williams
Credit Risk Manager: Ava Johnson
Exposure: $10.49M
CBRB: Substandard
Internal: Doubtful
Risk Score:78 · High
Total Exposure
$10.49M
Prev: $10.62M1.3%
Utilization
74.2%
Prev: 68.9%5.3pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Substandard
Prev: OLEM
Internal Rating
Doubtful
Prev: Doubtful
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
NormalStart
2024-12
OLEMDowngrade
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 |
|---|---|---|---|---|---|---|
| 4/24/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Open | Jacob Moore | — |
| 2/13/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Dismissed | Joseph Jackson | — |
| 6/2/2026 | Rating Upgrade | Low | Borrower rating improved to Substandard. | Open | Benjamin Jones | — |
AI Risk Score
78
/ 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+19
Industry Concentration+16
Internal Rating Drift+12
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure decreased by 1.3% month-over-month, currently at $10.49M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating deteriorated from OLEM to Substandard. Current utilization is 74.2% — above the 70% early warning threshold. Overall borrower risk is assessed as high. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Isabella Williams
isabella.williams@bank.com
+1 555 0110
Portfolio: $2.11B
Credit Risk Manager
Ava Johnson
ava.johnson@bank.com
+1 555 0198
Portfolio: $1.94B
Business Head
Grace Lee
grace.lee@bank.com
+1 555 0264
Portfolio: $2.12B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $6.20M | $4.29M | $10.49M | 74.2% | 1 | Substandard |
| 2026-05 | $6.45M | $4.18M | $10.62M | 68.9% | 1 | Substandard |
| 2026-04 | $6.73M | $4.21M | $10.94M | 67.6% | 1 | Substandard |
| 2026-03 | $7.38M | $3.90M | $11.28M | 66.0% | 1 | OLEM |
| 2026-02 | $6.18M | $4.66M | $10.84M | 60.1% | 1 | OLEM |
| 2026-01 | $6.60M | $4.58M | $11.18M | 55.6% | 1 | OLEM |
| 2025-12 | $5.84M | $4.85M | $10.68M | 61.5% | 1 | OLEM |
| 2025-11 | $7.05M | $4.19M | $11.24M | 66.8% | 1 | OLEM |
| 2025-10 | $6.39M | $5.29M | $11.68M | 61.6% | 1 | OLEM |
| 2025-09 | $6.41M | $4.54M | $10.96M | 63.0% | 1 | OLEM |
| 2025-08 | $6.42M | $4.68M | $11.10M | 64.7% | 1 | OLEM |
| 2025-07 | $5.55M | $5.01M | $10.56M | 68.6% | 1 | OLEM |