Coastal Group SA
CIF-01648 · U76647BR2014PLC101648 · Mining · Large Corporate · Brazil
RM: Jacob Moore
Credit Risk Manager: Olivia Taylor
Exposure: $36.74M
CBRB: Normal
Internal: Normal
Risk Score:35 · Medium
Total Exposure
$36.74M
Prev: $35.13M4.6%
Utilization
51.1%
Prev: 54.9%3.8pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
5
C 1
H 4
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
2024-07
OLEMStart
2024-08
NormalUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 6
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 2/6/2026 | Rating Downgrade | Critical | Borrower rating migrated from Normal to Normal. | Open | Harper Davis | — |
| 2/15/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | In Review | Charlotte Perez | — |
| 6/8/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Open | Ella Anderson | — |
| 2/26/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Open | Benjamin Jones | — |
| 4/8/2026 | Rating Downgrade | Critical | Borrower rating migrated from Normal to Normal. | Dismissed | Charlotte Perez | — |
| 5/21/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | In Review | Grace Lee | — |
AI Risk Score
35
/ 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
Utilization Level+13
Industry Concentration+13
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 4.6% month-over-month, currently at $36.74M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 51.1%. 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
Jacob Moore
jacob.moore@bank.com
+1 555 0253
Portfolio: $2.23B
Credit Risk Manager
Olivia Taylor
olivia.taylor@bank.com
+1 555 0066
Portfolio: $2.26B
Business Head
Mia Rodriguez
mia.rodriguez@bank.com
+1 555 0132
Portfolio: $2.26B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $22.39M | $14.35M | $36.74M | 51.1% | 4 | Normal |
| 2026-05 | $23.58M | $11.55M | $35.13M | 54.9% | 4 | Normal |
| 2026-04 | $22.04M | $11.14M | $33.18M | 59.2% | 4 | Normal |
| 2026-03 | $17.95M | $15.14M | $33.09M | 63.6% | 4 | Normal |
| 2026-02 | $19.00M | $13.27M | $32.27M | 68.5% | 4 | Normal |
| 2026-01 | $19.93M | $12.54M | $32.47M | 69.4% | 4 | Normal |
| 2025-12 | $20.45M | $9.93M | $30.39M | 71.4% | 5 | Normal |
| 2025-11 | $20.14M | $10.49M | $30.63M | 72.6% | 5 | Normal |
| 2025-10 | $18.31M | $13.89M | $32.20M | 76.8% | 5 | Normal |
| 2025-09 | $17.01M | $14.23M | $31.24M | 72.7% | 5 | Normal |
| 2025-08 | $17.30M | $13.38M | $30.69M | 70.4% | 5 | Normal |
| 2025-07 | $20.17M | $9.97M | $30.14M | 72.3% | 5 | Normal |