Sapphire Industries PLC
CIF-01891 · U76890UK2014PLC101891 · Agriculture · Trade Finance · UK
RM: Charlotte Perez
Credit Risk Manager: Grace Lee
Exposure: $28.13M
CBRB: Loss
Internal: Doubtful
Risk Score:100 · Critical
Total Exposure
$28.13M
Prev: $29.09M3.3%
Utilization
72.4%
Prev: 69.5%2.9pp
Banking Relationships
8
Prev: 80.0
CBRB Rating
Loss
Prev: Substandard
Internal Rating
Doubtful
Prev: Doubtful
Open Alerts
4
C 0
H 1
M 1
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
OLEMStart
2024-08
NormalUpgrade
2024-09
OLEMDowngrade
2024-12
SubstandardDowngrade
2026-04
DoubtfulDowngrade
2026-06
LossDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 2/13/2026 | Rating Upgrade | Low | Borrower rating improved to Loss. | Open | Grace Lee | — |
| 2/23/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Open | Olivia Taylor | — |
| 1/3/2026 | Rating Downgrade | Critical | Borrower rating migrated from Substandard to Loss. | Resolved | Emily Martinez | 1/3/2026 |
| 5/4/2026 | Increase in Number of Banks | Medium | Borrower has expanded banking relationships per CBRB data. | In Review | Andrew Garcia | — |
| 4/9/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Daniel Martin | — |
AI Risk Score
100
/ 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+39
Utilization Level+18
Banking Relationship Growth+15
Industry Concentration+13
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 3.3% month-over-month, currently at $28.13M. Banking relationships moved from 8 to 8 banks per CBRB data. CBRB rating deteriorated from Substandard to Loss. Current utilization is 72.4% — 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
Charlotte Perez
charlotte.perez@bank.com
+1 555 0176
Portfolio: $2.23B
Credit Risk Manager
Grace Lee
grace.lee@bank.com
+1 555 0264
Portfolio: $2.12B
Business Head
David Wilson
david.wilson@bank.com
+1 555 0055
Portfolio: $2.35B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $15.20M | $12.93M | $28.13M | 72.4% | 8 | Loss |
| 2026-05 | $19.16M | $9.94M | $29.09M | 69.5% | 8 | Doubtful |
| 2026-04 | $17.74M | $9.84M | $27.57M | 65.5% | 8 | Doubtful |
| 2026-03 | $17.57M | $10.92M | $28.50M | 67.8% | 8 | Substandard |
| 2026-02 | $16.97M | $11.88M | $28.85M | 69.6% | 7 | Substandard |
| 2026-01 | $15.88M | $12.61M | $28.49M | 71.5% | 7 | Substandard |
| 2025-12 | $17.19M | $11.11M | $28.30M | 72.3% | 7 | Substandard |
| 2025-11 | $18.44M | $9.02M | $27.46M | 68.8% | 7 | Substandard |
| 2025-10 | $17.45M | $9.80M | $27.25M | 70.6% | 7 | Substandard |
| 2025-09 | $17.13M | $9.45M | $26.57M | 66.9% | 7 | Substandard |
| 2025-08 | $13.77M | $11.84M | $25.61M | 70.6% | 7 | Substandard |
| 2025-07 | $13.85M | $12.13M | $25.99M | 67.6% | 7 | Substandard |