Summit Industries Ltd
CIF-01849 · U76848FR2014PLC101849 · Hospitality · Commercial · France
RM: Grace Lee
Credit Risk Manager: Daniel Martin
Exposure: $37.20M
CBRB: OLEM
Internal: OLEM
Risk Score:49 · Medium
Total Exposure
$37.20M
Prev: $35.11M6.0%
Utilization
36.8%
Prev: 34.7%2.1pp
Banking Relationships
8
Prev: 80.0
CBRB Rating
OLEM
Prev: Normal
Internal Rating
OLEM
Prev: Normal
Open Alerts
3
C 1
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
2024-07
NormalStart
2026-04
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/10/2026 | Rating Downgrade | Critical | Borrower rating migrated from Normal to OLEM. | Open | Charlotte Perez | — |
| 2/26/2026 | Exposure Reduction | Low | System-wide exposure declined materially over the prior month. | In Review | Jacob Moore | — |
| 5/13/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Open | Sophia Thompson | — |
| 1/1/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Dismissed | Lucas White | — |
| 12/13/2025 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | Dismissed | Ryan Harris | — |
AI Risk Score
49
/ 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+16
Banking Relationship Growth+15
Utilization Level+9
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 6.0% month-over-month, currently at $37.20M. Banking relationships moved from 8 to 8 banks per CBRB data. CBRB rating deteriorated from Normal to OLEM. Current utilization is 36.8%. 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
Grace Lee
grace.lee@bank.com
+1 555 0264
Portfolio: $2.12B
Credit Risk Manager
Daniel Martin
daniel.martin@bank.com
+1 555 0077
Portfolio: $2.17B
Business Head
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $23.12M | $14.08M | $37.20M | 36.8% | 8 | OLEM |
| 2026-05 | $23.21M | $11.90M | $35.11M | 34.7% | 8 | OLEM |
| 2026-04 | $21.21M | $12.38M | $33.60M | 29.9% | 8 | OLEM |
| 2026-03 | $21.52M | $13.31M | $34.82M | 33.4% | 8 | Normal |
| 2026-02 | $21.85M | $13.25M | $35.10M | 37.4% | 8 | Normal |
| 2026-01 | $19.59M | $16.07M | $35.66M | 34.6% | 7 | Normal |
| 2025-12 | $17.99M | $15.63M | $33.63M | 38.5% | 7 | Normal |
| 2025-11 | $22.23M | $10.86M | $33.09M | 42.4% | 7 | Normal |
| 2025-10 | $22.22M | $10.81M | $33.04M | 40.6% | 6 | Normal |
| 2025-09 | $19.25M | $14.72M | $33.96M | 45.9% | 6 | Normal |
| 2025-08 | $19.33M | $12.60M | $31.93M | 42.1% | 5 | Normal |
| 2025-07 | $19.95M | $11.56M | $31.51M | 43.6% | 5 | Normal |