Pioneer Construction Group
CIF-01901 · U76900JA2014PLC101901 · Agriculture · Syndicated · Japan
RM: James Smith
Credit Risk Manager: Matthew Sanchez
Exposure: $4.61M
CBRB: Doubtful
Internal: Loss
Risk Score:90 · Critical
Total Exposure
$4.61M
Prev: $4.37M5.4%
Utilization
55.2%
Prev: 53.2%2.0pp
Banking Relationships
6
Prev: 60.0
CBRB Rating
Doubtful
Prev: Doubtful
Internal Rating
Loss
Prev: Doubtful
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
NormalStart
2025-05
OLEMDowngrade
2026-01
SubstandardDowngrade
2026-03
DoubtfulDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/5/2026 | Rating Downgrade | Critical | Borrower rating migrated from Doubtful to Doubtful. | Dismissed | Benjamin Jones | — |
| 5/8/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Christopher Lopez | — |
AI Risk Score
90
/ 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
Banking Relationship Growth+15
Utilization Level+14
Industry Concentration+14
Internal Rating Drift+12
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 5.4% month-over-month, currently at $4.61M. Banking relationships moved from 6 to 6 banks per CBRB data. CBRB rating remained stable from Doubtful to Doubtful. Current utilization is 55.2%. Overall borrower risk is assessed as critical. Recommend escalation to Credit Committee.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
CriticalInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
James Smith
james.smith@bank.com
+1 555 0011
Portfolio: $2.05B
Credit Risk Manager
Matthew Sanchez
matthew.sanchez@bank.com
+1 555 0099
Portfolio: $2.20B
Business Head
Joseph Jackson
joseph.jackson@bank.com
+1 555 0165
Portfolio: $2.24B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $2.89M | $1.72M | $4.61M | 55.2% | 6 | Doubtful |
| 2026-05 | $2.75M | $1.63M | $4.37M | 53.2% | 6 | Doubtful |
| 2026-04 | $2.53M | $1.99M | $4.52M | 54.3% | 6 | Doubtful |
| 2026-03 | $2.92M | $1.62M | $4.54M | 58.3% | 6 | Doubtful |
| 2026-02 | $2.55M | $2.22M | $4.77M | 63.9% | 6 | Substandard |
| 2026-01 | $3.03M | $1.76M | $4.78M | 67.8% | 6 | Substandard |
| 2025-12 | $2.51M | $2.08M | $4.59M | 63.0% | 6 | OLEM |
| 2025-11 | $2.40M | $2.15M | $4.55M | 59.9% | 6 | OLEM |
| 2025-10 | $2.39M | $2.03M | $4.42M | 60.7% | 6 | OLEM |
| 2025-09 | $2.97M | $1.65M | $4.61M | 61.0% | 6 | OLEM |
| 2025-08 | $2.47M | $2.13M | $4.60M | 57.4% | 6 | OLEM |
| 2025-07 | $2.90M | $1.40M | $4.30M | 54.3% | 6 | OLEM |