Evergreen Pharma Ltd
CIF-01911 · U76910BR2014PLC101911 · Financial Services · Commercial · Brazil
RM: Andrew Garcia
Credit Risk Manager: Benjamin Jones
Exposure: $10.62M
CBRB: OLEM
Internal: Normal
Risk Score:63 · High
Total Exposure
$10.62M
Prev: $10.44M1.8%
Utilization
84.2%
Prev: 83.8%0.4pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
OLEM
Prev: Normal
Internal Rating
Normal
Prev: Normal
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
2026-04
OLEMDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 1
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/11/2026 | Rating Downgrade | High | Borrower rating migrated from Normal to OLEM. | In Review | Nathan Hernandez | — |
AI Risk Score
63
/ 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+21
Utilization Level+21
Industry Concentration+11
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 1.8% month-over-month, currently at $10.62M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating deteriorated from Normal to OLEM. Current utilization is 84.2% — 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
Andrew Garcia
andrew.garcia@bank.com
+1 555 0121
Portfolio: $2.16B
Credit Risk Manager
Benjamin Jones
benjamin.jones@bank.com
+1 555 0209
Portfolio: $2.38B
Business Head
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $6.15M | $4.47M | $10.62M | 84.2% | 3 | OLEM |
| 2026-05 | $5.66M | $4.78M | $10.44M | 83.8% | 3 | OLEM |
| 2026-04 | $6.75M | $3.32M | $10.07M | 86.6% | 3 | OLEM |
| 2026-03 | $6.10M | $3.34M | $9.44M | 82.5% | 3 | Normal |
| 2026-02 | $5.43M | $3.97M | $9.39M | 83.0% | 3 | Normal |
| 2026-01 | $4.95M | $4.19M | $9.13M | 77.7% | 2 | Normal |
| 2025-12 | $5.91M | $3.34M | $9.26M | 82.0% | 2 | Normal |
| 2025-11 | $5.02M | $4.26M | $9.28M | 76.1% | 2 | Normal |
| 2025-10 | $5.16M | $3.87M | $9.03M | 76.8% | 2 | Normal |
| 2025-09 | $4.74M | $4.11M | $8.85M | 72.2% | 2 | Normal |
| 2025-08 | $5.34M | $3.37M | $8.71M | 67.1% | 2 | Normal |
| 2025-07 | $5.59M | $2.74M | $8.33M | 62.8% | 2 | Normal |