Evergreen Aviation Ltd
CIF-01882 · U76881US2014PLC101882 · Education · SME · USA
RM: Daniel Martin
Credit Risk Manager: Joseph Jackson
Exposure: $48.15M
CBRB: Doubtful
Internal: Substandard
Risk Score:91 · Critical
Total Exposure
$48.15M
Prev: $47.16M2.1%
Utilization
84.2%
Prev: 86.8%2.6pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Doubtful
Prev: OLEM
Internal Rating
Substandard
Prev: OLEM
Open Alerts
1
C 0
H 0
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
OLEMStart
2026-05
SubstandardDowngrade
2026-06
DoubtfulDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 1/10/2026 | Rating Downgrade | High | Borrower rating migrated from OLEM to Doubtful. | Resolved | Harper Davis | 1/10/2026 |
| 5/19/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | Open | Andrew Garcia | — |
| 1/25/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Resolved | Emily Martinez | 1/25/2026 |
AI Risk Score
91
/ 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
Utilization Level+21
Industry Concentration+13
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 2.1% month-over-month, currently at $48.15M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating deteriorated from OLEM to Doubtful. Current utilization is 84.2% — above the 70% early warning threshold. Overall borrower risk is assessed as critical. 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
Daniel Martin
daniel.martin@bank.com
+1 555 0077
Portfolio: $2.17B
Credit Risk Manager
Joseph Jackson
joseph.jackson@bank.com
+1 555 0165
Portfolio: $2.24B
Business Head
Nathan Hernandez
nathan.hernandez@bank.com
+1 555 0231
Portfolio: $1.79B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $25.52M | $22.63M | $48.15M | 84.2% | 2 | Doubtful |
| 2026-05 | $29.32M | $17.84M | $47.16M | 86.8% | 2 | Substandard |
| 2026-04 | $23.62M | $21.18M | $44.80M | 90.2% | 2 | OLEM |
| 2026-03 | $27.31M | $14.98M | $42.29M | 91.8% | 2 | OLEM |
| 2026-02 | $26.52M | $16.07M | $42.59M | 93.9% | 2 | OLEM |
| 2026-01 | $23.60M | $20.31M | $43.91M | 90.3% | 2 | OLEM |
| 2025-12 | $24.41M | $17.96M | $42.36M | 85.6% | 2 | OLEM |
| 2025-11 | $26.18M | $14.97M | $41.15M | 86.2% | 2 | OLEM |
| 2025-10 | $22.79M | $15.69M | $38.47M | 83.5% | 2 | OLEM |
| 2025-09 | $19.41M | $17.09M | $36.50M | 85.6% | 2 | OLEM |
| 2025-08 | $18.73M | $15.83M | $34.56M | 84.5% | 1 | OLEM |
| 2025-07 | $19.13M | $16.97M | $36.10M | 79.6% | 1 | OLEM |