Atlas Hospitality Ltd
CIF-01783 · U76782UK2014PLC101783 · Information Technology · Mid Corporate · UK
RM: Sophia Thompson
Credit Risk Manager: Charlotte Perez
Exposure: $15.69M
CBRB: Normal
Internal: Normal
Risk Score:37 · Medium
Total Exposure
$15.69M
Prev: $15.00M4.6%
Utilization
53.7%
Prev: 47.8%5.9pp
Banking Relationships
7
Prev: 70.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
2
C 0
H 1
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
No rating changes in the last 24 months. Currently Normal.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/17/2026 | Rating Upgrade | Low | Borrower rating improved to Normal. | Open | David Wilson | — |
| 6/7/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Open | Emily Martinez | — |
AI Risk Score
37
/ 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+15
Banking Relationship Growth+15
Utilization Level+13
Industry Concentration+11
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 4.6% month-over-month, currently at $15.69M. Banking relationships moved from 7 to 7 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 53.7%. Overall borrower risk is assessed as medium.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
Credit Risk Manager
Charlotte Perez
charlotte.perez@bank.com
+1 555 0176
Portfolio: $2.23B
Business Head
Ella Anderson
ella.anderson@bank.com
+1 555 0242
Portfolio: $1.99B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $9.35M | $6.34M | $15.69M | 53.7% | 7 | Normal |
| 2026-05 | $8.04M | $6.96M | $15.00M | 47.8% | 7 | Normal |
| 2026-04 | $10.16M | $5.06M | $15.22M | 48.1% | 7 | Normal |
| 2026-03 | $8.79M | $5.79M | $14.58M | 54.0% | 7 | Normal |
| 2026-02 | $8.87M | $4.92M | $13.79M | 49.1% | 6 | Normal |
| 2026-01 | $8.30M | $6.13M | $14.43M | 47.0% | 6 | Normal |
| 2025-12 | $9.42M | $5.74M | $15.16M | 44.1% | 5 | Normal |
| 2025-11 | $8.56M | $5.68M | $14.24M | 42.6% | 5 | Normal |
| 2025-10 | $9.64M | $5.34M | $14.98M | 44.2% | 5 | Normal |
| 2025-09 | $8.24M | $7.43M | $15.67M | 41.1% | 5 | Normal |
| 2025-08 | $9.30M | $5.75M | $15.05M | 35.1% | 5 | Normal |
| 2025-07 | $8.63M | $5.92M | $14.55M | 36.0% | 5 | Normal |