Westwood Capital Co.
CIF-01642 · U76641US2014PLC101642 · Hospitality · Project Finance · USA
RM: Ryan Harris
Credit Risk Manager: Lucas White
Exposure: $44.01M
CBRB: Normal
Internal: OLEM
Risk Score:19 · Low
Total Exposure
$44.01M
Prev: $43.53M1.1%
Utilization
20.0%
Prev: 20.2%0.2pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
OLEM
Prev: Normal
Open Alerts
1
C 1
H 0
M 0
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 · 1
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/7/2026 | Rating Downgrade | Critical | Borrower rating migrated from Normal to Normal. | Open | Amelia Thomas | — |
AI Risk Score
19
/ 100
Low 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
Internal Rating Drift+12
Industry Concentration+10
Banking Relationship Growth+6
Utilization Level+5
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 1.1% month-over-month, currently at $44.01M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 20.0%. Overall borrower risk is assessed as low.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Ryan Harris
ryan.harris@bank.com
+1 555 0187
Portfolio: $1.96B
Credit Risk Manager
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
Business Head
Olivia Taylor
olivia.taylor@bank.com
+1 555 0066
Portfolio: $2.26B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $26.40M | $17.61M | $44.01M | 20.0% | 1 | Normal |
| 2026-05 | $24.71M | $18.82M | $43.53M | 20.2% | 1 | Normal |
| 2026-04 | $29.35M | $15.87M | $45.23M | 18.1% | 1 | Normal |
| 2026-03 | $29.19M | $14.49M | $43.67M | 14.1% | 1 | Normal |
| 2026-02 | $30.17M | $15.32M | $45.49M | 11.4% | 1 | Normal |
| 2026-01 | $25.84M | $20.39M | $46.24M | 15.0% | 1 | Normal |
| 2025-12 | $27.24M | $17.08M | $44.32M | 13.4% | 1 | Normal |
| 2025-11 | $27.19M | $14.56M | $41.75M | 17.1% | 1 | Normal |
| 2025-10 | $24.94M | $17.73M | $42.67M | 20.2% | 1 | Normal |
| 2025-09 | $26.12M | $17.99M | $44.11M | 19.9% | 1 | Normal |
| 2025-08 | $27.57M | $17.26M | $44.83M | 23.5% | 1 | Normal |
| 2025-07 | $25.21M | $20.02M | $45.23M | 19.2% | 1 | Normal |