Pacific Enterprises PLC
CIF-01660 · U76659CA2014PLC101660 · Real Estate · Micro Enterprise · Canada
RM: Isabella Williams
Credit Risk Manager: Ava Johnson
Exposure: $39.58M
CBRB: Substandard
Internal: Substandard
Risk Score:79 · High
Total Exposure
$39.58M
Prev: $41.48M4.6%
Utilization
55.6%
Prev: 53.0%2.6pp
Banking Relationships
5
Prev: 61.0
CBRB Rating
Substandard
Prev: OLEM
Internal Rating
Substandard
Prev: OLEM
Open Alerts
3
C 1
H 0
M 2
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
NormalStart
2025-11
OLEMDowngrade
2026-04
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/6/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Open | Grace Lee | — |
| 2/20/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Dismissed | Matthew Sanchez | — |
| 5/28/2026 | Rating Upgrade | Medium | Borrower rating improved to Substandard. | Open | Matthew Sanchez | — |
| 2/18/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Sophia Thompson | — |
AI Risk Score
79
/ 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
Banking Relationship Growth+15
Utilization Level+14
Industry Concentration+10
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 4.6% month-over-month, currently at $39.58M. Banking relationships moved from 6 to 5 banks per CBRB data. CBRB rating deteriorated from OLEM to Substandard. Current utilization is 55.6%. Overall borrower risk is assessed as high. 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
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 | $21.82M | $17.76M | $39.58M | 55.6% | 5 | Substandard |
| 2026-05 | $23.62M | $17.85M | $41.48M | 53.0% | 6 | Substandard |
| 2026-04 | $27.47M | $15.38M | $42.85M | 54.9% | 6 | Substandard |
| 2026-03 | $25.90M | $14.48M | $40.38M | 58.9% | 6 | OLEM |
| 2026-02 | $23.46M | $15.78M | $39.24M | 59.1% | 6 | OLEM |
| 2026-01 | $20.02M | $17.43M | $37.45M | 54.4% | 6 | OLEM |
| 2025-12 | $19.13M | $16.65M | $35.77M | 52.9% | 6 | OLEM |
| 2025-11 | $19.50M | $16.97M | $36.47M | 47.2% | 6 | OLEM |
| 2025-10 | $20.14M | $15.17M | $35.30M | 44.1% | 6 | Normal |
| 2025-09 | $21.63M | $12.31M | $33.94M | 43.4% | 6 | Normal |
| 2025-08 | $22.42M | $13.16M | $35.58M | 46.3% | 5 | Normal |
| 2025-07 | $18.32M | $15.22M | $33.55M | 48.6% | 5 | Normal |