Silverline Construction Co.
CIF-01666 · U76665JA2014PLC101666 · Mining · Project Finance · Japan
RM: Charlotte Perez
Credit Risk Manager: Grace Lee
Exposure: $32.92M
CBRB: Loss
Internal: Loss
Risk Score:100 · Critical
Total Exposure
$32.92M
Prev: $33.81M2.6%
Utilization
52.2%
Prev: 58.0%5.8pp
Banking Relationships
5
Prev: 50.0
CBRB Rating
Loss
Prev: Substandard
Internal Rating
Loss
Prev: Loss
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
OLEMStart
2025-06
NormalUpgrade
2025-08
OLEMDowngrade
2026-01
SubstandardDowngrade
2026-04
DoubtfulDowngrade
2026-06
LossDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/7/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | Jacob Moore | — |
| 5/8/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Resolved | Michael Miller | 5/8/2026 |
| 2/5/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Open | Grace Lee | — |
| 1/18/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Resolved | Michael Miller | 1/18/2026 |
AI Risk Score
100
/ 100
Critical 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+39
Banking Relationship Growth+15
Utilization Level+13
Industry Concentration+10
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 2.6% month-over-month, currently at $32.92M. Banking relationships moved from 5 to 5 banks per CBRB data. CBRB rating deteriorated from Substandard to Loss. Current utilization is 52.2%. Overall borrower risk is assessed as critical. 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
Charlotte Perez
charlotte.perez@bank.com
+1 555 0176
Portfolio: $2.23B
Credit Risk Manager
Grace Lee
grace.lee@bank.com
+1 555 0264
Portfolio: $2.12B
Business Head
David Wilson
david.wilson@bank.com
+1 555 0055
Portfolio: $2.35B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $21.05M | $11.87M | $32.92M | 52.2% | 5 | Loss |
| 2026-05 | $20.73M | $13.08M | $33.81M | 58.0% | 5 | Doubtful |
| 2026-04 | $18.44M | $15.95M | $34.38M | 58.0% | 5 | Doubtful |
| 2026-03 | $21.69M | $13.49M | $35.18M | 61.5% | 5 | Substandard |
| 2026-02 | $20.08M | $16.32M | $36.40M | 61.4% | 5 | Substandard |
| 2026-01 | $20.72M | $13.99M | $34.72M | 67.0% | 5 | Substandard |
| 2025-12 | $17.91M | $14.63M | $32.54M | 67.9% | 5 | OLEM |
| 2025-11 | $20.85M | $12.81M | $33.66M | 67.2% | 5 | OLEM |
| 2025-10 | $18.18M | $14.34M | $32.53M | 62.8% | 5 | OLEM |
| 2025-09 | $21.18M | $10.89M | $32.07M | 60.4% | 5 | OLEM |
| 2025-08 | $16.09M | $14.46M | $30.55M | 61.9% | 5 | OLEM |
| 2025-07 | $17.11M | $11.97M | $29.09M | 67.7% | 5 | Normal |