Stonegate Agro Group
CIF-01802 · U76801JA2014PLC101802 · Energy & Utilities · Project Finance · Japan
RM: Sarah Brown
Credit Risk Manager: Isabella Williams
Exposure: $37.17M
CBRB: Substandard
Internal: Substandard
Risk Score:80 · High
Total Exposure
$37.17M
Prev: $36.24M2.6%
Utilization
73.7%
Prev: 78.1%4.4pp
Banking Relationships
4
Prev: 40.0
CBRB Rating
Substandard
Prev: OLEM
Internal Rating
Substandard
Prev: OLEM
Open Alerts
3
C 0
H 1
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
2025-06
OLEMDowngrade
2026-05
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/3/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | Michael Miller | — |
| 3/26/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Dismissed | Lucas White | — |
| 1/31/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | Jacob Moore | — |
| 4/18/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Open | Ella Anderson | — |
| 2/16/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Resolved | Sarah Brown | 2/16/2026 |
AI Risk Score
80
/ 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+18
Industry Concentration+15
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 2.6% month-over-month, currently at $37.17M. Banking relationships moved from 4 to 4 banks per CBRB data. CBRB rating deteriorated from OLEM to Substandard. Current utilization is 73.7% — above the 70% early warning threshold. Overall borrower risk is assessed as high. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
Credit Risk Manager
Isabella Williams
isabella.williams@bank.com
+1 555 0110
Portfolio: $2.11B
Business Head
Charlotte Perez
charlotte.perez@bank.com
+1 555 0176
Portfolio: $2.23B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $20.16M | $17.01M | $37.17M | 73.7% | 4 | Substandard |
| 2026-05 | $20.53M | $15.71M | $36.24M | 78.1% | 4 | Substandard |
| 2026-04 | $19.34M | $14.70M | $34.04M | 78.8% | 4 | OLEM |
| 2026-03 | $22.99M | $11.25M | $34.24M | 75.0% | 4 | OLEM |
| 2026-02 | $22.20M | $10.93M | $33.13M | 76.3% | 4 | OLEM |
| 2026-01 | $17.69M | $14.80M | $32.49M | 75.5% | 4 | OLEM |
| 2025-12 | $21.45M | $11.55M | $33.00M | 75.6% | 4 | OLEM |
| 2025-11 | $16.77M | $14.68M | $31.45M | 75.1% | 4 | OLEM |
| 2025-10 | $16.00M | $13.47M | $29.47M | 70.4% | 5 | OLEM |
| 2025-09 | $18.69M | $9.51M | $28.20M | 74.2% | 5 | OLEM |
| 2025-08 | $17.20M | $11.32M | $28.52M | 78.6% | 5 | OLEM |
| 2025-07 | $15.57M | $13.82M | $29.38M | 75.6% | 5 | OLEM |