Atlas Ventures SA
CIF-01725 · U76724GE2014PLC101725 · Manufacturing · Financial Institution · Germany
RM: Lucas White
Credit Risk Manager: Sophia Thompson
Exposure: $7.43M
CBRB: OLEM
Internal: OLEM
Risk Score:59 · Medium
Total Exposure
$7.43M
Prev: $7.00M6.1%
Utilization
74.5%
Prev: 75.7%1.2pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
OLEM
Prev: Normal
Internal Rating
OLEM
Prev: OLEM
Open Alerts
1
C 0
H 0
M 1
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
2026-04
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/9/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | Isabella Williams | — |
| 6/10/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Resolved | Amelia Thomas | 6/10/2026 |
AI Risk Score
59
/ 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+21
Utilization Level+19
Industry Concentration+13
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 6.1% month-over-month, currently at $7.43M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating deteriorated from Normal to OLEM. Current utilization is 74.5% — above the 70% early warning threshold. Overall borrower risk is assessed as medium.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
Credit Risk Manager
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
Business Head
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $4.28M | $3.15M | $7.43M | 74.5% | 3 | OLEM |
| 2026-05 | $4.59M | $2.41M | $7.00M | 75.7% | 3 | OLEM |
| 2026-04 | $3.88M | $2.94M | $6.83M | 76.4% | 3 | OLEM |
| 2026-03 | $3.96M | $2.50M | $6.46M | 74.2% | 3 | Normal |
| 2026-02 | $3.39M | $3.07M | $6.45M | 72.5% | 3 | Normal |
| 2026-01 | $3.69M | $3.01M | $6.71M | 77.6% | 3 | Normal |
| 2025-12 | $4.39M | $2.42M | $6.82M | 75.4% | 3 | Normal |
| 2025-11 | $4.43M | $2.70M | $7.14M | 69.6% | 3 | Normal |
| 2025-10 | $3.92M | $3.40M | $7.32M | 72.8% | 3 | Normal |
| 2025-09 | $4.66M | $2.49M | $7.15M | 75.1% | 4 | Normal |
| 2025-08 | $3.60M | $3.23M | $6.84M | 73.4% | 4 | Normal |
| 2025-07 | $3.76M | $2.65M | $6.41M | 71.2% | 4 | Normal |