Evergreen Pharma LLC
CIF-01811 · U76810FR2014PLC101811 · Wholesale Trade · Financial Institution · France
RM: Andrew Garcia
Credit Risk Manager: Benjamin Jones
Exposure: $43.71M
CBRB: Doubtful
Internal: Doubtful
Risk Score:86 · Critical
Total Exposure
$43.71M
Prev: $44.50M1.8%
Utilization
43.8%
Prev: 49.4%5.6pp
Banking Relationships
6
Prev: 60.0
CBRB Rating
Doubtful
Prev: Substandard
Internal Rating
Doubtful
Prev: Substandard
Open Alerts
1
C 0
H 1
M 0
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
2025-09
OLEMDowngrade
2026-03
SubstandardDowngrade
2026-04
DoubtfulDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 1
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/3/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Mia Rodriguez | — |
AI Risk Score
86
/ 100
Critical 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
Banking Relationship Growth+15
Utilization Level+11
Industry Concentration+10
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 1.8% month-over-month, currently at $43.71M. Banking relationships moved from 6 to 6 banks per CBRB data. CBRB rating deteriorated from Substandard to Doubtful. Current utilization is 43.8%. Overall borrower risk is assessed as critical. 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
Andrew Garcia
andrew.garcia@bank.com
+1 555 0121
Portfolio: $2.16B
Credit Risk Manager
Benjamin Jones
benjamin.jones@bank.com
+1 555 0209
Portfolio: $2.38B
Business Head
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $28.56M | $15.15M | $43.71M | 43.8% | 6 | Doubtful |
| 2026-05 | $24.24M | $20.26M | $44.50M | 49.4% | 6 | Doubtful |
| 2026-04 | $28.41M | $15.69M | $44.09M | 49.9% | 6 | Doubtful |
| 2026-03 | $24.42M | $19.66M | $44.08M | 55.8% | 6 | Substandard |
| 2026-02 | $22.36M | $19.56M | $41.92M | 54.6% | 6 | OLEM |
| 2026-01 | $24.07M | $19.09M | $43.17M | 60.0% | 6 | OLEM |
| 2025-12 | $28.32M | $15.97M | $44.29M | 62.7% | 6 | OLEM |
| 2025-11 | $29.57M | $16.14M | $45.71M | 63.8% | 6 | OLEM |
| 2025-10 | $28.29M | $15.11M | $43.40M | 58.6% | 6 | OLEM |
| 2025-09 | $28.23M | $15.09M | $43.32M | 54.1% | 6 | OLEM |
| 2025-08 | $24.83M | $16.78M | $41.61M | 53.4% | 6 | Normal |
| 2025-07 | $25.95M | $17.79M | $43.75M | 57.1% | 6 | Normal |