Alpha Telecom LLC
CIF-01833 · U76832UA2014PLC101833 · Hospitality · SME · UAE
RM: Sophia Thompson
Credit Risk Manager: Charlotte Perez
Exposure: $34.59M
CBRB: OLEM
Internal: Normal
Risk Score:44 · Medium
Total Exposure
$34.59M
Prev: $32.63M6.0%
Utilization
52.2%
Prev: 49.2%3.0pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
OLEM
Prev: Normal
Internal Rating
Normal
Prev: Normal
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
OLEMStart
2024-08
NormalUpgrade
2026-05
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/3/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Dismissed | Grace Lee | — |
| 6/4/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | In Review | Benjamin Jones | — |
AI Risk Score
44
/ 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
Industry Concentration+14
Utilization Level+13
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 6.0% month-over-month, currently at $34.59M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating deteriorated from Normal to OLEM. Current utilization is 52.2%. 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
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
Credit Risk Manager
Charlotte Perez
charlotte.perez@bank.com
+1 555 0176
Portfolio: $2.23B
Business Head
Ella Anderson
ella.anderson@bank.com
+1 555 0242
Portfolio: $1.99B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $19.01M | $15.59M | $34.59M | 52.2% | 1 | OLEM |
| 2026-05 | $21.51M | $11.12M | $32.63M | 49.2% | 1 | OLEM |
| 2026-04 | $17.52M | $14.71M | $32.23M | 50.1% | 1 | Normal |
| 2026-03 | $19.48M | $12.01M | $31.50M | 54.7% | 1 | Normal |
| 2026-02 | $21.02M | $11.46M | $32.47M | 60.5% | 1 | Normal |
| 2026-01 | $20.67M | $10.63M | $31.30M | 61.8% | 1 | Normal |
| 2025-12 | $15.89M | $13.52M | $29.41M | 65.1% | 1 | Normal |
| 2025-11 | $15.86M | $11.90M | $27.76M | 64.6% | 1 | Normal |
| 2025-10 | $16.80M | $9.35M | $26.15M | 67.2% | 1 | Normal |
| 2025-09 | $15.77M | $10.62M | $26.38M | 68.9% | 1 | Normal |
| 2025-08 | $15.80M | $9.54M | $25.35M | 68.0% | 1 | Normal |
| 2025-07 | $15.99M | $8.57M | $24.56M | 66.1% | 1 | Normal |