Citadel Group Group
CIF-01930 · U76929AU2014PLC101930 · Transportation · Mid Corporate · Australia
RM: David Wilson
Credit Risk Manager: Christopher Lopez
Exposure: $4.07M
CBRB: OLEM
Internal: Substandard
Risk Score:53 · Medium
Total Exposure
$4.07M
Prev: $3.86M5.4%
Utilization
80.5%
Prev: 86.2%5.7pp
Banking Relationships
3
Prev: 30.0
CBRB Rating
OLEM
Prev: Normal
Internal Rating
Substandard
Prev: Substandard
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 · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/11/2026 | Rating Upgrade | Low | Borrower rating improved to OLEM. | Resolved | Sophia Thompson | 6/11/2026 |
| 4/10/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Open | Daniel Martin | — |
| 3/4/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Dismissed | Christopher Lopez | — |
AI Risk Score
53
/ 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+20
Industry Concentration+14
Internal Rating Drift+12
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 5.4% month-over-month, currently at $4.07M. Banking relationships moved from 3 to 3 banks per CBRB data. CBRB rating deteriorated from Normal to OLEM. Current utilization is 80.5% — above the 70% early warning threshold. Overall borrower risk is assessed as medium.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
David Wilson
david.wilson@bank.com
+1 555 0055
Portfolio: $2.35B
Credit Risk Manager
Christopher Lopez
christopher.lopez@bank.com
+1 555 0143
Portfolio: $1.99B
Business Head
Benjamin Jones
benjamin.jones@bank.com
+1 555 0209
Portfolio: $2.38B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $2.23M | $1.83M | $4.07M | 80.5% | 3 | OLEM |
| 2026-05 | $2.33M | $1.53M | $3.86M | 86.2% | 3 | OLEM |
| 2026-04 | $2.34M | $1.62M | $3.97M | 88.7% | 3 | OLEM |
| 2026-03 | $1.99M | $1.74M | $3.73M | 91.6% | 3 | Normal |
| 2026-02 | $2.20M | $1.35M | $3.55M | 91.2% | 3 | Normal |
| 2026-01 | $1.80M | $1.59M | $3.39M | 92.2% | 3 | Normal |
| 2025-12 | $2.13M | $1.19M | $3.32M | 92.4% | 3 | Normal |
| 2025-11 | $1.97M | $1.37M | $3.34M | 93.5% | 3 | Normal |
| 2025-10 | $2.04M | $1.34M | $3.38M | 88.0% | 3 | Normal |
| 2025-09 | $1.72M | $1.53M | $3.25M | 87.4% | 3 | Normal |
| 2025-08 | $1.83M | $1.43M | $3.26M | 87.8% | 3 | Normal |
| 2025-07 | $2.06M | $1.28M | $3.35M | 90.6% | 4 | Normal |