Northstar Holdings Co.
CIF-01723 · U76722FR2014PLC101723 · Agriculture · Project Finance · France
RM: Jacob Moore
Credit Risk Manager: Olivia Taylor
Exposure: $40.81M
CBRB: Normal
Internal: Normal
Risk Score:23 · Low
Total Exposure
$40.81M
Prev: $41.91M2.6%
Utilization
46.8%
Prev: 46.6%0.2pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
0
C 0
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 · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 3/18/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Dismissed | Sarah Brown | — |
| 6/9/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Dismissed | Isabella Williams | — |
| 2/28/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Dismissed | Sarah Brown | — |
AI Risk Score
23
/ 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
Utilization Level+12
Industry Concentration+12
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 2.6% month-over-month, currently at $40.81M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 46.8%. 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
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 | $22.21M | $18.60M | $40.81M | 46.8% | 1 | Normal |
| 2026-05 | $22.27M | $19.65M | $41.91M | 46.6% | 1 | Normal |
| 2026-04 | $23.04M | $19.17M | $42.21M | 45.9% | 1 | Normal |
| 2026-03 | $24.42M | $17.13M | $41.55M | 46.1% | 1 | Normal |
| 2026-02 | $22.75M | $19.39M | $42.15M | 47.1% | 1 | Normal |
| 2026-01 | $29.46M | $14.89M | $44.36M | 46.5% | 1 | Normal |
| 2025-12 | $29.96M | $16.44M | $46.40M | 40.5% | 1 | Normal |
| 2025-11 | $28.13M | $15.35M | $43.48M | 41.9% | 1 | Normal |
| 2025-10 | $23.68M | $17.80M | $41.48M | 38.2% | 1 | Normal |
| 2025-09 | $27.17M | $13.84M | $41.01M | 36.1% | 1 | Normal |
| 2025-08 | $22.83M | $17.40M | $40.23M | 33.7% | 1 | Normal |
| 2025-07 | $23.14M | $14.73M | $37.87M | 30.6% | 1 | Normal |