Eastpoint Group Ltd
CIF-01827 · U76826FR2014PLC101827 · Information Technology · Mid Corporate · France
RM: Sarah Brown
Credit Risk Manager: Isabella Williams
Exposure: $596.6K
CBRB: Substandard
Internal: OLEM
Risk Score:78 · High
Total Exposure
$596.6K
Prev: $626.6K4.8%
Utilization
99.0%
Prev: 99.0%0.0pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
OLEM
Prev: OLEM
Open Alerts
2
C 0
H 0
M 0
L 2
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 Substandard.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 3/12/2026 | Rating Upgrade | Low | Borrower rating improved to Substandard. | Open | Andrew Garcia | — |
| 6/5/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | In Review | Ava Johnson | — |
AI Risk Score
78
/ 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+25
Industry Concentration+14
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 4.8% month-over-month, currently at $596.6K. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 99.0% — 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 | $331.9K | $264.7K | $596.6K | 99.0% | 3 | Substandard |
| 2026-05 | $400.6K | $226.0K | $626.6K | 99.0% | 3 | Substandard |
| 2026-04 | $421.4K | $205.3K | $626.7K | 93.9% | 3 | Substandard |
| 2026-03 | $327.6K | $288.1K | $615.7K | 95.1% | 3 | Substandard |
| 2026-02 | $428.8K | $213.9K | $642.6K | 98.1% | 3 | Substandard |
| 2026-01 | $375.1K | $283.5K | $658.5K | 95.6% | 3 | Substandard |
| 2025-12 | $348.2K | $272.4K | $620.6K | 93.4% | 3 | Substandard |
| 2025-11 | $377.1K | $214.7K | $591.8K | 98.9% | 3 | Substandard |
| 2025-10 | $375.5K | $238.7K | $614.2K | 93.5% | 3 | Substandard |
| 2025-09 | $369.8K | $221.1K | $590.9K | 90.4% | 3 | Substandard |
| 2025-08 | $364.0K | $222.4K | $586.4K | 87.9% | 3 | Substandard |
| 2025-07 | $329.5K | $250.4K | $579.8K | 82.5% | 3 | Substandard |