Coastal Capital LLC
CIF-01950 · U76949SI2014PLC101950 · Financial Services · Mid Corporate · Singapore
RM: Lucas White
Credit Risk Manager: Sophia Thompson
Exposure: $46.12M
CBRB: Substandard
Internal: OLEM
Risk Score:73 · High
Total Exposure
$46.12M
Prev: $48.39M4.7%
Utilization
86.7%
Prev: 88.3%1.6pp
Banking Relationships
1
Prev: 10.0
CBRB Rating
Substandard
Prev: Substandard
Internal Rating
OLEM
Prev: OLEM
Open Alerts
1
C 0
H 0
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
SubstandardStart
2025-05
OLEMUpgrade
2026-03
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 4
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/9/2026 | Utilization Above 70% | Medium | Facility utilization breached the 70% early-warning threshold. | Resolved | Ella Anderson | 6/9/2026 |
| 1/19/2026 | Rating Upgrade | Medium | Borrower rating improved to Substandard. | Dismissed | Matthew Sanchez | — |
| 1/6/2026 | Exposure Increase | Medium | System-wide exposure increased materially over the prior month. | Open | Grace Lee | — |
| 2/21/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Dismissed | Christopher Lopez | — |
AI Risk Score
73
/ 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+22
Industry Concentration+11
Banking Relationship Growth+6
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 4.7% month-over-month, currently at $46.12M. Banking relationships moved from 1 to 1 banks per CBRB data. CBRB rating remained stable from Substandard to Substandard. Current utilization is 86.7% — 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
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
Credit Risk Manager
Sophia Thompson
sophia.thompson@bank.com
+1 555 0088
Portfolio: $2.03B
Business Head
Amelia Thomas
amelia.thomas@bank.com
+1 555 0154
Portfolio: $1.86B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $27.34M | $18.78M | $46.12M | 86.7% | 1 | Substandard |
| 2026-05 | $29.84M | $18.55M | $48.39M | 88.3% | 1 | Substandard |
| 2026-04 | $30.85M | $16.78M | $47.63M | 87.0% | 1 | Substandard |
| 2026-03 | $29.78M | $16.71M | $46.49M | 90.3% | 1 | Substandard |
| 2026-02 | $28.48M | $17.97M | $46.45M | 87.3% | 1 | OLEM |
| 2026-01 | $25.50M | $20.29M | $45.79M | 85.8% | 1 | OLEM |
| 2025-12 | $30.88M | $15.53M | $46.41M | 80.9% | 1 | OLEM |
| 2025-11 | $25.06M | $22.38M | $47.44M | 77.4% | 1 | OLEM |
| 2025-10 | $26.63M | $18.97M | $45.60M | 79.0% | 1 | OLEM |
| 2025-09 | $25.89M | $22.10M | $47.99M | 77.7% | 1 | OLEM |
| 2025-08 | $28.49M | $18.77M | $47.26M | 74.8% | 1 | OLEM |
| 2025-07 | $26.11M | $19.93M | $46.04M | 80.4% | 1 | OLEM |