Atlas Group Inc
CIF-01902 · U76901BR2014PLC101902 · Manufacturing · Micro Enterprise · Brazil
RM: Sarah Brown
Credit Risk Manager: Isabella Williams
Exposure: $26.84M
CBRB: Substandard
Internal: Doubtful
Risk Score:69 · High
Total Exposure
$26.84M
Prev: $26.44M1.5%
Utilization
73.6%
Prev: 78.5%4.9pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Substandard
Prev: OLEM
Internal Rating
Doubtful
Prev: Doubtful
Open Alerts
3
C 1
H 1
M 0
L 1
Exposure Trend Analysis · 24 Months
Funded · Non-Funded · Total
Utilization Trend · Reporting Bank vs Other Banks
Threshold 70%
Rating Migration Timeline
2024-07
OLEMStart
2025-11
NormalUpgrade
2025-12
OLEMDowngrade
2026-06
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 2/23/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Dismissed | Michael Miller | — |
| 2/15/2026 | Rating Upgrade | Low | Borrower rating improved to Substandard. | Open | Olivia Taylor | — |
| 3/5/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Mia Rodriguez | — |
| 6/8/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | David Wilson | — |
AI Risk Score
69
/ 100
High 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
Utilization Level+18
Industry Concentration+13
Internal Rating Drift+12
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 1.5% month-over-month, currently at $26.84M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating deteriorated from OLEM to Substandard. Current utilization is 73.6% — above the 70% early warning threshold. Overall borrower risk is assessed as high.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Sarah Brown
sarah.brown@bank.com
+1 555 0022
Portfolio: $2.17B
Credit Risk Manager
Isabella Williams
isabella.williams@bank.com
+1 555 0110
Portfolio: $2.11B
Business Head
Charlotte Perez
charlotte.perez@bank.com
+1 555 0176
Portfolio: $2.23B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $15.00M | $11.84M | $26.84M | 73.6% | 1 | Substandard |
| 2026-05 | $13.89M | $12.55M | $26.44M | 78.5% | 1 | OLEM |
| 2026-04 | $17.85M | $8.92M | $26.78M | 78.9% | 1 | OLEM |
| 2026-03 | $16.91M | $10.54M | $27.45M | 75.3% | 1 | OLEM |
| 2026-02 | $18.28M | $9.94M | $28.21M | 72.1% | 1 | OLEM |
| 2026-01 | $17.47M | $11.51M | $28.98M | 71.6% | 1 | OLEM |
| 2025-12 | $16.76M | $11.70M | $28.47M | 74.1% | 2 | OLEM |
| 2025-11 | $19.93M | $9.62M | $29.55M | 68.9% | 2 | Normal |
| 2025-10 | $20.29M | $9.83M | $30.12M | 67.2% | 2 | OLEM |
| 2025-09 | $16.42M | $14.75M | $31.16M | 72.5% | 2 | OLEM |
| 2025-08 | $20.52M | $10.93M | $31.44M | 71.8% | 2 | OLEM |
| 2025-07 | $19.28M | $12.89M | $32.17M | 75.8% | 2 | OLEM |