Ironclad Resources PLC
CIF-01909 · U76908SI2014PLC101909 · Hospitality · SME · Singapore
RM: Matthew Sanchez
Credit Risk Manager: Ryan Harris
Exposure: $39.18M
CBRB: Substandard
Internal: Substandard
Risk Score:62 · High
Total Exposure
$39.18M
Prev: $36.89M6.2%
Utilization
50.1%
Prev: 52.9%2.8pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
Substandard
Prev: Substandard
Open Alerts
2
C 0
H 1
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
2025-12
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 3/18/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Open | Nathan Hernandez | — |
| 6/11/2026 | Decrease in Number of Banks | Medium | One or more banks have exited the relationship. | Open | Ella Anderson | — |
| 4/1/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Dismissed | Benjamin Jones | — |
AI Risk Score
62
/ 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
Industry Concentration+14
Utilization Level+13
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 6.2% month-over-month, currently at $39.18M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 50.1%. Overall borrower risk is assessed as high.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Matthew Sanchez
matthew.sanchez@bank.com
+1 555 0099
Portfolio: $2.20B
Credit Risk Manager
Ryan Harris
ryan.harris@bank.com
+1 555 0187
Portfolio: $1.96B
Business Head
Jacob Moore
jacob.moore@bank.com
+1 555 0253
Portfolio: $2.23B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $25.08M | $14.10M | $39.18M | 50.1% | 2 | Substandard |
| 2026-05 | $21.98M | $14.91M | $36.89M | 52.9% | 2 | Substandard |
| 2026-04 | $20.87M | $16.19M | $37.06M | 47.7% | 2 | Substandard |
| 2026-03 | $23.13M | $12.08M | $35.20M | 50.3% | 2 | Substandard |
| 2026-02 | $18.97M | $15.99M | $34.95M | 49.7% | 2 | Substandard |
| 2026-01 | $18.54M | $15.34M | $33.88M | 50.3% | 2 | Substandard |
| 2025-12 | $20.46M | $11.80M | $32.26M | 53.3% | 2 | Substandard |
| 2025-11 | $20.68M | $12.64M | $33.32M | 54.4% | 2 | OLEM |
| 2025-10 | $18.54M | $13.85M | $32.39M | 57.0% | 2 | OLEM |
| 2025-09 | $18.40M | $14.36M | $32.76M | 55.7% | 2 | OLEM |
| 2025-08 | $20.53M | $11.12M | $31.66M | 58.8% | 2 | OLEM |
| 2025-07 | $18.33M | $12.82M | $31.15M | 53.6% | 2 | OLEM |