Coastal Corporation SA
CIF-01684 · U76683BR2014PLC101684 · Construction · Project Finance · Brazil
RM: Matthew Sanchez
Credit Risk Manager: Ryan Harris
Exposure: $12.43M
CBRB: Substandard
Internal: OLEM
Risk Score:69 · High
Total Exposure
$12.43M
Prev: $11.88M4.6%
Utilization
65.7%
Prev: 62.7%3.0pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
OLEM
Prev: OLEM
Open Alerts
1
C 0
H 0
M 0
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
2024-10
OLEMDowngrade
2025-09
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 5/6/2026 | Rating Upgrade | Medium | Borrower rating improved to Substandard. | Dismissed | Joseph Jackson | — |
| 6/3/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Dismissed | David Wilson | — |
| 3/18/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | In Review | Ella Anderson | — |
AI Risk Score
69
/ 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+16
Industry Concentration+16
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 $12.43M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 65.7%. Overall borrower risk is assessed as high.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Matthew Sanchez
matthew.sanchez@bank.com
+1 555 0099
Portfolio: $2.20B
Credit Risk Manager
Ryan Harris
ryan.harris@bank.com
+1 555 0187
Portfolio: $1.96B
Business Head
Jacob Moore
jacob.moore@bank.com
+1 555 0253
Portfolio: $2.23B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $7.33M | $5.10M | $12.43M | 65.7% | 2 | Substandard |
| 2026-05 | $7.47M | $4.40M | $11.88M | 62.7% | 2 | Substandard |
| 2026-04 | $6.49M | $4.98M | $11.47M | 63.1% | 2 | Substandard |
| 2026-03 | $6.37M | $4.94M | $11.31M | 60.9% | 2 | Substandard |
| 2026-02 | $6.49M | $4.17M | $10.66M | 66.3% | 2 | Substandard |
| 2026-01 | $6.35M | $3.87M | $10.21M | 71.1% | 2 | Substandard |
| 2025-12 | $6.90M | $3.80M | $10.70M | 73.1% | 2 | Substandard |
| 2025-11 | $6.71M | $4.53M | $11.24M | 68.1% | 2 | Substandard |
| 2025-10 | $5.95M | $4.62M | $10.57M | 72.4% | 2 | Substandard |
| 2025-09 | $7.07M | $3.74M | $10.81M | 72.2% | 2 | Substandard |
| 2025-08 | $6.65M | $3.55M | $10.20M | 78.2% | 2 | OLEM |
| 2025-07 | $5.85M | $4.06M | $9.90M | 73.7% | 2 | OLEM |