Atlantic Partners Group
CIF-01862 · U76861SI2014PLC101862 · Financial Services · Mid Corporate · Singapore
RM: Mia Rodriguez
Credit Risk Manager: Harper Davis
Exposure: $47.71M
CBRB: Substandard
Internal: Substandard
Risk Score:53 · Medium
Total Exposure
$47.71M
Prev: $44.94M6.1%
Utilization
39.0%
Prev: 38.4%0.6pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Substandard
Prev: Doubtful
Internal Rating
Substandard
Prev: OLEM
Open Alerts
3
C 1
H 1
M 1
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
2025-01
LossDowngrade
2025-09
DoubtfulUpgrade
2026-06
SubstandardUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 6
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 2/14/2026 | Rating Upgrade | Medium | Borrower rating improved to Substandard. | Dismissed | Olivia Taylor | — |
| 3/15/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Ava Johnson | — |
| 3/28/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Open | Ryan Harris | — |
| 3/21/2026 | Rating Downgrade | High | Borrower rating migrated from Doubtful to Substandard. | Open | Sarah Brown | — |
| 5/13/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Resolved | Sophia Thompson | 5/13/2026 |
| 6/11/2026 | Rating Upgrade | Medium | Borrower rating improved to Substandard. | Dismissed | Emily Martinez | — |
AI Risk Score
53
/ 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+27
Industry Concentration+11
Utilization Level+10
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 6.1% month-over-month, currently at $47.71M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating improved from Doubtful to Substandard. Current utilization is 39.0%. 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
Mia Rodriguez
mia.rodriguez@bank.com
+1 555 0132
Portfolio: $2.26B
Credit Risk Manager
Harper Davis
harper.davis@bank.com
+1 555 0220
Portfolio: $2.09B
Business Head
James Smith
james.smith@bank.com
+1 555 0011
Portfolio: $2.05B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $27.77M | $19.94M | $47.71M | 39.0% | 2 | Substandard |
| 2026-05 | $27.13M | $17.81M | $44.94M | 38.4% | 2 | Doubtful |
| 2026-04 | $28.46M | $17.54M | $46.00M | 38.8% | 2 | Doubtful |
| 2026-03 | $28.46M | $19.80M | $48.26M | 40.9% | 2 | Doubtful |
| 2026-02 | $32.73M | $16.16M | $48.89M | 39.9% | 2 | Doubtful |
| 2026-01 | $31.54M | $18.30M | $49.84M | 42.7% | 2 | Doubtful |
| 2025-12 | $29.91M | $20.46M | $50.37M | 48.2% | 2 | Doubtful |
| 2025-11 | $28.08M | $20.44M | $48.52M | 48.7% | 2 | Doubtful |
| 2025-10 | $29.27M | $16.46M | $45.73M | 45.3% | 2 | Doubtful |
| 2025-09 | $28.59M | $16.87M | $45.46M | 39.3% | 2 | Doubtful |
| 2025-08 | $25.07M | $18.12M | $43.19M | 36.9% | 2 | Loss |
| 2025-07 | $24.89M | $18.67M | $43.56M | 34.3% | 2 | Loss |