Bridgewater Manufacturing Inc
CIF-01785 · U76784FR2014PLC101785 · Transportation · Micro Enterprise · France
RM: Isabella Williams
Credit Risk Manager: Ava Johnson
Exposure: $4.10M
CBRB: OLEM
Internal: Substandard
Risk Score:54 · Medium
Total Exposure
$4.10M
Prev: $4.25M3.7%
Utilization
65.9%
Prev: 61.5%4.4pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
OLEM
Prev: OLEM
Internal Rating
Substandard
Prev: Substandard
Open Alerts
3
C 1
H 0
M 2
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
2025-03
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 12/26/2025 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Open | Charlotte Perez | — |
| 12/28/2025 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Dismissed | Daniel Martin | — |
| 5/15/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | Grace Lee | — |
| 6/10/2026 | Rating Downgrade | Critical | Borrower rating migrated from OLEM to OLEM. | Open | Mia Rodriguez | — |
AI Risk Score
54
/ 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+16
Industry Concentration+15
Internal Rating Drift+12
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure decreased by 3.7% month-over-month, currently at $4.10M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from OLEM to OLEM. Current utilization is 65.9%. 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
Isabella Williams
isabella.williams@bank.com
+1 555 0110
Portfolio: $2.11B
Credit Risk Manager
Ava Johnson
ava.johnson@bank.com
+1 555 0198
Portfolio: $1.94B
Business Head
Grace Lee
grace.lee@bank.com
+1 555 0264
Portfolio: $2.12B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $2.65M | $1.45M | $4.10M | 65.9% | 2 | OLEM |
| 2026-05 | $2.54M | $1.72M | $4.25M | 61.5% | 2 | OLEM |
| 2026-04 | $2.40M | $2.01M | $4.40M | 61.9% | 2 | OLEM |
| 2026-03 | $2.41M | $2.15M | $4.55M | 61.0% | 2 | OLEM |
| 2026-02 | $2.66M | $1.66M | $4.32M | 62.0% | 2 | OLEM |
| 2026-01 | $2.70M | $1.79M | $4.49M | 56.5% | 2 | OLEM |
| 2025-12 | $2.97M | $1.72M | $4.69M | 53.1% | 2 | OLEM |
| 2025-11 | $2.98M | $1.76M | $4.74M | 55.8% | 2 | OLEM |
| 2025-10 | $2.64M | $1.90M | $4.54M | 61.8% | 2 | OLEM |
| 2025-09 | $2.65M | $1.82M | $4.48M | 63.2% | 2 | OLEM |
| 2025-08 | $2.97M | $1.70M | $4.67M | 64.2% | 2 | OLEM |
| 2025-07 | $2.63M | $1.77M | $4.40M | 68.9% | 2 | OLEM |