Bluewave Manufacturing Co.
CIF-01908 · U76907UA2014PLC101908 · Hospitality · Trade Finance · UAE
RM: Sophia Thompson
Credit Risk Manager: Charlotte Perez
Exposure: $40.09M
CBRB: OLEM
Internal: OLEM
Risk Score:52 · Medium
Total Exposure
$40.09M
Prev: $40.02M0.2%
Utilization
58.1%
Prev: 61.8%3.7pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
OLEM
Prev: Normal
Internal Rating
OLEM
Prev: Normal
Open Alerts
5
C 0
H 1
M 4
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
2026-05
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 5/19/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | Benjamin Jones | — |
| 1/27/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | In Review | Joseph Jackson | — |
| 6/8/2026 | Rating Upgrade | Medium | Borrower rating improved to OLEM. | Open | Jacob Moore | — |
| 6/5/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | In Review | Joseph Jackson | — |
| 5/13/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Open | Amelia Thomas | — |
AI Risk Score
52
/ 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+21
Utilization Level+15
Industry Concentration+12
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 0.2% month-over-month, currently at $40.09M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating deteriorated from Normal to OLEM. Current utilization is 58.1%. 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
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
Credit Risk Manager
Charlotte Perez
charlotte.perez@bank.com
+1 555 0176
Portfolio: $2.23B
Business Head
Ella Anderson
ella.anderson@bank.com
+1 555 0242
Portfolio: $1.99B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $21.53M | $18.56M | $40.09M | 58.1% | 2 | OLEM |
| 2026-05 | $24.00M | $16.02M | $40.02M | 61.8% | 2 | OLEM |
| 2026-04 | $21.86M | $18.55M | $40.41M | 63.6% | 2 | Normal |
| 2026-03 | $22.16M | $19.61M | $41.76M | 66.1% | 2 | Normal |
| 2026-02 | $25.11M | $17.72M | $42.83M | 63.1% | 2 | Normal |
| 2026-01 | $25.97M | $17.45M | $43.41M | 67.6% | 2 | Normal |
| 2025-12 | $27.20M | $14.61M | $41.81M | 64.3% | 2 | Normal |
| 2025-11 | $27.35M | $16.50M | $43.85M | 68.8% | 2 | Normal |
| 2025-10 | $29.33M | $14.45M | $43.79M | 72.3% | 2 | Normal |
| 2025-09 | $22.99M | $19.87M | $42.86M | 73.2% | 2 | Normal |
| 2025-08 | $24.50M | $16.69M | $41.19M | 71.0% | 2 | Normal |
| 2025-07 | $26.51M | $16.22M | $42.73M | 70.3% | 2 | Normal |