Sterling Agro Inc
CIF-01803 · U76802FR2014PLC101803 · Retail Trade · Mid Corporate · France
RM: Michael Miller
Credit Risk Manager: Andrew Garcia
Exposure: $41.18M
CBRB: Doubtful
Internal: Doubtful
Risk Score:76 · High
Total Exposure
$41.18M
Prev: $42.43M3.0%
Utilization
48.3%
Prev: 52.6%4.3pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Doubtful
Prev: Doubtful
Internal Rating
Doubtful
Prev: Doubtful
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
DoubtfulStart
2025-06
SubstandardUpgrade
2025-09
DoubtfulDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/4/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Open | Ava Johnson | — |
| 3/25/2026 | Rating Upgrade | Medium | Borrower rating improved to Doubtful. | Resolved | Michael Miller | 3/25/2026 |
| 2/2/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | Nathan Hernandez | — |
| 3/27/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Ella Anderson | — |
AI Risk Score
76
/ 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+33
Industry Concentration+14
Utilization Level+12
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 3.0% month-over-month, currently at $41.18M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from Doubtful to Doubtful. Current utilization is 48.3%. Overall borrower risk is assessed as high. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Michael Miller
michael.miller@bank.com
+1 555 0033
Portfolio: $2.26B
Credit Risk Manager
Andrew Garcia
andrew.garcia@bank.com
+1 555 0121
Portfolio: $2.16B
Business Head
Ryan Harris
ryan.harris@bank.com
+1 555 0187
Portfolio: $1.96B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $25.66M | $15.52M | $41.18M | 48.3% | 1 | Doubtful |
| 2026-05 | $25.90M | $16.53M | $42.43M | 52.6% | 1 | Doubtful |
| 2026-04 | $23.62M | $16.14M | $39.77M | 57.8% | 1 | Doubtful |
| 2026-03 | $27.11M | $13.84M | $40.95M | 53.1% | 1 | Doubtful |
| 2026-02 | $22.36M | $18.52M | $40.88M | 52.1% | 1 | Doubtful |
| 2026-01 | $21.61M | $17.75M | $39.36M | 50.7% | 1 | Doubtful |
| 2025-12 | $24.94M | $15.21M | $40.14M | 54.4% | 1 | Doubtful |
| 2025-11 | $21.67M | $17.01M | $38.68M | 56.7% | 1 | Doubtful |
| 2025-10 | $25.04M | $14.41M | $39.46M | 55.3% | 1 | Doubtful |
| 2025-09 | $23.61M | $14.32M | $37.94M | 50.5% | 2 | Doubtful |
| 2025-08 | $22.03M | $17.04M | $39.07M | 54.6% | 2 | Substandard |
| 2025-07 | $21.49M | $15.19M | $36.68M | 55.8% | 2 | Substandard |